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Privacy Policy

How your data is handled in Ledgr

Effective Date: February 2026 | Last Updated: February 2026

Ledgr is a privacy-focused budget tracking application. This policy describes how your data is handled.

Data Controller: Johnathen Chilcher / Techloom.it LLC
Contact: privacy@techloom.it

Data We Collect

Local Financial Data

All financial data you enter (accounts, transactions, budgets, investments, etc.) is stored locally on your device in an encrypted SQLite database. This data never leaves your device unless you explicitly export it. Optional AES-256-GCM encryption is available to protect your database at rest.

Yahoo Finance API (Price Data)

When you add investment holdings with ticker symbols, Ledgr sends those ticker symbols only to the Yahoo Finance API to retrieve current market prices. No personal or financial data is transmitted. Price data is cached locally for 15-60 minutes to minimize external requests. These requests are user-initiated only.

OFX Direct Connect (Bank Sync)

If you use the bank sync feature, your banking credentials are sent directly to your bank's OFX server. Ledgr does not act as an intermediary and does not store, log, or transmit your banking credentials to any third party.

Auto-Updater

Ledgr periodically makes an anonymous request to the GitHub Releases API to check for new versions. No personal or device-identifying information is sent with this request.

Data We Do NOT Collect

  • No analytics or telemetry
  • No crash reporting
  • No cloud sync or remote storage
  • No user accounts or registration
  • No advertising or tracking
  • No cookies or web beacons

Your Rights (GDPR)

Even though Ledgr stores all data locally, we respect your data rights:

  • Access: You can view all your data directly in the app, or export it via Settings.
  • Erasure: Delete your database file to permanently remove all data. Uninstalling the app also removes all data.
  • Portability: Export your data in CSV or JSON format at any time via Settings > Data Export.
  • Rectification: Edit any data directly within the app.

Data Retention

  • Financial data: Stored locally until you delete it or uninstall the app.
  • Price cache: Automatically expires after 15-60 minutes.
  • No server-side retention: Ledgr has no servers and retains no data remotely.

Data Security

Your data is protected by your device's security. Optional database encryption (AES-256-GCM) and password protection are available within the app. You are responsible for:

  • Keeping your device secure
  • Managing your database password
  • Maintaining backups of your data

Children's Privacy

Ledgr is not directed at children under 13. We do not knowingly collect data from children.

Third-Party Services

Service Data Sent Purpose
Yahoo Finance API Ticker symbols only Market price lookup
Bank OFX servers Banking credentials (direct) Transaction sync
GitHub Releases API Anonymous version check Auto-update

These services are subject to their own privacy policies.

Changes to This Policy

We may update this policy from time to time. Changes will be posted to this page and noted in the changelog.

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