Terms of Service — Ledgerly

1. What Ledgerly Does

Ledgerly is a financial education and investment-mathematics tool designed to help people understand numbers, compare scenarios, and make more informed financial decisions.

Ledgerly may help you with:

Investment calculations
Growth projections
Currency comparisons
Inflation-adjusted estimates
Savings and investment mathematics
Explanations of financial concepts
Comparisons between different financial scenarios

2. Not Financial Advice

Ledgerly provides mathematical calculations, educational information, estimates, and explanations for informational and educational purposes only.

Ledgerly is not a bank, broker, investment manager, or financial adviser. Information provided by Ledgerly should not be treated as personalized financial, investment, tax, legal, or accounting advice.

Ledgerly does not guarantee investment returns or recommend that you buy, sell, or hold any particular financial asset or product.

Financial markets, exchange rates, inflation, interest rates, and other economic conditions can change. You are responsible for evaluating information provided by Ledgerly and deciding whether any financial action is appropriate for you.

3. No Custody of Your Money

Ledgerly does not operate as a bank, broker, investment manager, or payment institution.

Ledgerly does not:

Hold your money
Manage your investments
Execute trades on your behalf
Request your banking password or PIN
Request your card PIN or authentication credentials
Guarantee investment returns

Never send sensitive banking credentials, passwords, PINs, private keys, or similar security information to Ledgerly.

4. Accuracy of Information

We work to make Ledgerly's calculations and explanations useful and accurate. However, we cannot guarantee that every calculation, projection, exchange rate, estimate, or piece of information will always be complete, accurate, current, or suitable for your circumstances.

Some results may depend on assumptions or information supplied by you. You should independently verify important financial information before relying on it.

Historical performance or historical averages do not guarantee future results.

5. Your Responsibilities

When using Ledgerly, you agree to:

Provide accurate information when information is requested.
Use the Service only for lawful purposes.
Not interfere with or disrupt the Service.
Not attempt to gain unauthorized access to the Service.
Not use Ledgerly to commit fraud or facilitate unlawful activity.
Not impersonate another person or entity.
Not submit confidential information belonging to another person without authorization.

6. Telegram

Ledgerly may be accessed through Telegram. Your use of Telegram is also subject to Telegram's own terms, policies, and privacy practices.

Ledgerly does not control Telegram's systems, availability, or policies. You should avoid sending sensitive personal, banking, authentication, or security information through the Ledgerly Telegram bot.

7. Intellectual Property

Unless otherwise stated, Ledgerly and its original content, branding, designs, software, text, graphics, interfaces, and other materials are owned by or licensed to Ledgerly.

You may use the Service for its intended personal or legitimate business purposes. You may not copy, reproduce, modify, distribute, sell, publicly display, or create derivative works from Ledgerly's proprietary materials without prior permission, except where permitted by law.

8. Third-Party Services

Ledgerly may rely on or link to third-party services, platforms, websites, APIs, or tools.

Third-party services may have their own terms and privacy policies. Ledgerly is not responsible for the content, availability, security, or practices of third-party services that it does not control.

9. Availability of the Service

We may modify, suspend, restrict, or discontinue all or part of Ledgerly at any time.

We do not guarantee that the Service will always be available, uninterrupted, secure, or error-free.

10. Disclaimer of Warranties

To the extent permitted by applicable law, Ledgerly is provided on an “as available” and “as is” basis.

We do not guarantee that:

The Service will meet every user's requirements.
Calculations or information will always be error-free.
The Service will always be available.
The Service will be completely secure.
Financial projections will accurately reflect future outcomes.

Nothing in these Terms excludes or limits rights or protections that cannot legally be excluded under applicable law.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Ledgerly will not be responsible for losses arising from financial decisions, investments, transactions, or other actions you take based on information obtained through the Service.

This includes losses arising from reliance on estimates, projections, calculations, historical data, exchange-rate assumptions, or other information provided by Ledgerly.

12. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we may update the “Last updated” date and, where appropriate, provide additional notice.

Your continued use of Ledgerly after updated Terms become effective means you accept the revised Terms.

13. Termination

We may suspend or terminate your access to Ledgerly if we reasonably believe that you have violated these Terms, misused the Service, or engaged in unlawful or harmful activity.

You may stop using Ledgerly at any time.

14. Governing Law

These Terms shall be interpreted in accordance with the laws of the Federal Republic of Nigeria, subject to any mandatory rights or protections available to you under applicable law.

15. Contact Us

If you have questions about these Terms, please contact Ledgerly through the official contact channel provided on our website or through the Ledgerly service.