Your privacy matters.
At Ledgerly, we believe financial clarity should not come at the cost of your privacy. This Privacy Policy explains what information we may collect, why we collect it, how we use it, when we may share it, and the choices available to you.
1. Who We Are
Ledgerly is a financial education and investment-mathematics service designed to help users understand financial calculations and compare financial scenarios.
For questions about this Privacy Policy or how we handle personal information, please contact us through the official contact channel provided on our website or through the Ledgerly service.
2. Information We May Collect
Information you provide
This may include:
- Your name or username
- Contact information you voluntarily provide
- Questions, messages, or information you send to Ledgerly
- Feedback or support requests
- Information you voluntarily provide when communicating with us
Telegram information
When you interact with Ledgerly through Telegram, Telegram may make certain account or messaging information available to the bot or service, depending on Telegram's platform functionality and your settings.
This may include information such as your Telegram username, user identifier, display name, and messages sent to the Ledgerly bot.
Technical information
When you visit our website, certain technical information may be automatically collected by our hosting, security, analytics, or other service providers.
This may include:
- IP address
- Browser and device information
- Operating system
- Pages visited
- Approximate usage information
- Referring website
- Date and time of access
3. How We Use Information
We may use information to:
- Provide and operate Ledgerly
- Respond to your questions
- Perform requested calculations or explanations
- Improve the quality and usability of the Service
- Monitor and maintain security
- Detect misuse, fraud, or abuse
- Troubleshoot technical problems
- Understand how users interact with the Service
- Communicate important service-related information
- Comply with legal or regulatory obligations
We aim to collect and use only information that is reasonably necessary for these purposes.
4. Financial Information
Ledgerly is designed to help you understand financial mathematics.
Please do not send Ledgerly your bank passwords, ATM PINs, card PINs, OTPs, private keys, authentication codes, or other sensitive security credentials.
Ledgerly does not need these credentials to provide its intended service.
5. How We Share Information
We do not sell your personal information.
We may share limited information with service providers that help us operate Ledgerly, such as:
- Hosting providers
- Infrastructure providers
- Analytics or security providers
- Communication providers
- Technology providers
- Telegram, where necessary for the operation of the Telegram bot
We may also disclose information where reasonably necessary to comply with applicable law, respond to lawful requests, protect the rights and safety of Ledgerly or our users, investigate fraud or abuse, or establish and defend legal claims.
6. Legal Basis for Processing
Where applicable, we process personal data on a lawful basis recognized by Nigerian data-protection law.
Depending on the circumstances, this may include:
- Your consent
- Performing a service you have requested
- Compliance with a legal obligation
- Protecting legitimate interests, where permitted by law
- Other lawful bases available under applicable data-protection requirements
Where we rely on consent, you may withdraw that consent where applicable. Withdrawal of consent does not necessarily affect processing that was lawfully carried out before withdrawal.
7. Data Retention
We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.
When information is no longer required, we may securely delete or anonymize it.
8. Data Security
We take reasonable technical and organizational measures designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.
However, no internet-based service can guarantee absolute security.
You should also take reasonable steps to protect your own accounts and devices and should never send sensitive authentication information through Ledgerly.
9. Your Privacy Rights
Subject to applicable law and relevant limitations, you may have rights relating to your personal data, including the right to:
- Request access to personal information we hold about you
- Request correction of inaccurate information
- Request deletion of personal information in appropriate circumstances
- Withdraw consent where processing is based on consent
- Object to certain processing
- Request restriction of processing in appropriate circumstances
- Request data portability where applicable
- Raise a complaint about how your personal information is handled
To exercise a privacy right, contact us using the official contact channel provided by Ledgerly. We may need to verify your identity before completing certain requests.
10. Cookies and Similar Technologies
Our website may use cookies or similar technologies to provide essential functionality, improve performance, understand website usage, or support security.
Where required by applicable law, we will provide appropriate notice and choices regarding non-essential cookies.
You can also manage certain cookie settings through your browser.
11. Third-Party Links and Services
Our website or Service may contain links to third-party websites or services.
We are not responsible for the privacy practices, content, security, or policies of third-party services.
12. Children's Privacy
Ledgerly is not intentionally designed to collect personal information from children without appropriate authorization.
If you believe a child has provided personal information to us in circumstances where this was not appropriate, please contact us so that we can review and, where appropriate, delete the information.
13. International Data Transfers
Some of our technology or service providers may process information outside Nigeria.
Where personal data is transferred across borders, we will take steps required by applicable data-protection law to ensure that the transfer and processing receive appropriate protection.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to our Service, technology, legal requirements, or privacy practices.
When we make significant changes, we may update the “Last updated” date and provide additional notice where appropriate.
15. Contact and Complaints
If you have a question, concern, or request relating to your personal information or this Privacy Policy, please contact Ledgerly through the official contact channel provided on our website or through the Ledgerly service.
We will review and respond to privacy requests in accordance with applicable law.
If you are not satisfied with how your personal data has been handled, you may have the right to lodge a complaint with the Nigeria Data Protection Commission or another competent authority, subject to applicable law.