Terms of use

Ledger, a trading journal · Last changed: [date of publication]

Draft. This text describes how the service works today; it has not yet been reviewed by a lawyer.

These terms are the agreement between you and [full name], [address], Switzerland (“we”), who runs Ledger. By creating an account you accept them. Please read them: they’re short.

1. What Ledger is

Ledger is a journal for your own trades: you log them or bring them in from your broker, and the app works out results and patterns from them. It doesn’t trade, hold money, or connect to anything that can.

2. Not financial advice

Everything Ledger shows describes your own past trades. None of it is financial, investment or tax advice, or a recommendation to buy or sell anything. Past results say nothing certain about the future. Your trading decisions are yours alone.

3. Your figures

The app’s figures are only as right as the trades in it. Imports read your broker’s records as the broker gives them, and some brokers and features are marked “still being tested”. Exchange rates are the European Central Bank’s reference rates for the day a trade opened. Check anything important against your broker’s own statements; for tax, always use those.

4. Your account

• You must be 18 or over, and the details you give must be true.
• Keep your password to yourself. You’re responsible for what happens in your account.
• Your journal belongs to you. You let us store and process it only to run the service for you (see the privacy policy).
• Don’t misuse the service: no attempts to reach other people’s data, overload it, or use it for anything unlawful.

5. Free month and subscription

• A new account can use Ledger free for one month, without a card.
• After that, using it needs a subscription, at the price shown before you pay ([price], including VAT where it applies).
• Subscriptions are sold by Paddle, our reseller and merchant of record, which handles the payment, VAT and receipts. Paddle’s buyer terms apply to the purchase.
• A subscription renews each month until you cancel. Cancel any time in Settings → Manage my plan; it then runs to the end of the month you’ve paid for. Refunds follow Paddle’s refund policy and your statutory rights.
• If we change the price, we tell you at least 30 days before, and you can cancel before it applies.
• If a subscription ends, your journal isn’t deleted: you can still sign in and download it.

6. Changes and availability

We work to keep Ledger running and your data safe, but we can’t promise it will always be available or free of errors. We may change or improve features. If we ever stop the service, we’ll tell you at least 60 days ahead, so you can download your data.

7. Ending

You can delete your account at any time in Settings. We may close an account that seriously breaks these terms, after telling you why, except where the law or safety requires us to act at once.

8. Liability

To the extent the law allows, we are not liable for trading losses or decisions made with the help of the app, or for indirect damage. Our total liability is limited to what you paid us in the twelve months before the claim. Nothing in these terms limits liability for intent or gross negligence, or rights you have as a consumer that can’t be waived.

9. Law

Swiss law applies. The courts at [place of the owner’s domicile], Switzerland, have jurisdiction, unless consumer law gives you the right to go to court where you live.

10. Contact

[support email], or Settings → Help and feedback in the app.