PRIVACY POLICY
How we protect and handle your data
INTRODUCTION
This Privacy Policy explains how Ledge collects, uses, and discloses your information when you use our mobile application and related services. We are committed to protecting your privacy and handling your data with transparency.
INFORMATION WE COLLECT
2.1 INFORMATION YOU PROVIDE
- Account information: When you register, we collect your email address and password (encrypted).
- Financial information: data you manually enter about your assets and portfolio holdings. We do NOT collect or store your actual bank account credentials, credit card numbers, or other sensitive financial account access information.
- User preferences: Your settings, preferences, language choice, and customizations within the app.
2.2 AUTOMATICALLY COLLECTED INFORMATION
- Device information: Device type, operating system, unique device identifiers, app version.
- Usage data: How you interact with our app, features you use, time spent, and crash reports.
- Location information: General location based on IP address. We do not collect precise GPS location unless explicitly enabled by you for specific features.
DATA STORAGE AND PROCESSING
We store and process your data to provide our services effectively:
- Financial data is encrypted both in transit (using SSL/TLS) and at rest on our secure servers
- Transaction history and asset information are processed to generate insights and analytics for you
- User preferences and settings are saved to personalize your experience
- Data may be processed for analytics to improve our services
- We retain your data as long as your account is active or as needed to provide services
- Backups are maintained for disaster recovery purposes and are also encrypted
- Upon account deletion, your data is permanently deleted within 30 days (except where retention is required by law)
HOW WE USE YOUR INFORMATION
- Provide and improve our services
- Personalize your experience
- Process transactions and financial data
- Communicate with you about your account or our services
- Analyze usage patterns to enhance our application
- Protect against fraudulent or unauthorized activity
HOW WE SHARE YOUR INFORMATION
We may share your information in the following limited circumstances:
IMPORTANT: We never sell your personal information to third parties for marketing or advertising purposes.
- Service providers: Trusted companies that help us deliver our services (cloud hosting, analytics, customer support). These providers are contractually obligated to protect your data.
- Legal requirements: When required by law, court order, or government request, or to protect our rights, privacy, safety, or property.
- Business transfers: In connection with a merger, acquisition, or sale of assets. You will be notified of any such change and your data will remain protected under this policy.
- With your consent: We may share information with third parties when you explicitly consent.
PAYMENT AND SUBSCRIPTION INFORMATION
When you subscribe to Ledge Pro:
- All payment processing is handled exclusively by Apple (App Store) or Google (Google Play Store). We do not collect, store, or process your credit card or payment information directly.
- We receive only basic subscription status information (active/inactive, subscription tier, renewal date) from Apple and Google to provide you with appropriate service access.
- Purchase receipts are validated through Apple and Google's systems to verify your subscription status.
- We may collect anonymous, aggregated purchase analytics to understand subscription trends and improve our offerings.
- Your payment information, including credit card details, is subject to Apple's or Google's privacy policies, not ours.
DATA SECURITY
We implement industry-standard technical, administrative, and physical safeguards to protect your information. However, no method of transmission over the internet is 100% secure. We strive to protect your data but cannot guarantee absolute security.
YOUR RIGHTS
Depending on your location (including GDPR for EU residents and CCPA for California residents), you may have the following rights:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (right to be forgotten)
- Restriction: Request to restrict processing of your information
- Objection: Object to certain types of processing
- Data Portability: Request your data in a portable, machine-readable format
- Withdraw Consent: Withdraw consent for data processing where consent was the legal basis
To exercise these rights, contact us at privacy@ledge.today. We will respond within 30 days. Note: Subscription and payment data is managed by Apple or Google; please contact them directly for payment-related inquiries.
CHILDREN'S PRIVACY
Our services are not directed to children under 13 (or 16 in the EU, or the applicable age in your jurisdiction). We do not knowingly collect information from children under these ages. If you believe we have collected information from a child, please contact us immediately at privacy@ledge.today, and we will promptly delete such information.
COOKIES AND TRACKING
Our mobile app may use cookies and similar tracking technologies for:
- Authentication and security
- Remembering your preferences
- Analytics to understand how users interact with our app
- Crash reporting and error tracking
You can control cookie preferences through your device settings. However, disabling certain cookies may limit functionality.
INTERNATIONAL DATA TRANSFERS
Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy, wherever it is processed.
DATA RETENTION
We retain your personal information for the following periods:
- Provide you with our services
- Comply with legal obligations
- Resolve disputes and enforce agreements
- Maintain backups for disaster recovery (30 days)
After account deletion, your data is permanently deleted within 30 days, except where we are legally required to retain certain information (e.g., for tax or legal purposes).
CHANGES TO THIS POLICY
We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy in the app or through other appropriate means.
CONTACT US
If you have questions about this Privacy Policy or our data practices, please contact us:
We will respond to your inquiry within 30 days. For rights requests under GDPR or CCPA, we will respond within the legally required timeframe.
- EMAILprivacy@ledge.today
- SUPPORTsupport@ledge.today
YOUR DATA IS SAFE
We take your privacy seriously. All your data is encrypted and protected with industry-standard security protocols. We never sell your personal information or share it with unauthorized third parties.