Ledger
Terms of Use (EULA)
Last updated: July 5, 2026
These Terms of Use (“Terms”) are a legal agreement between you and Shimon Deitel (Joshua Deitel), the developer of Ledger (“the app,” “we,” “us”). By downloading, installing, or using Ledger, you agree to these Terms. If you do not agree, do not use the app.
License
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use Ledger on Apple devices you own or control, for your personal, non-commercial use, in accordance with the Usage Rules set out in the Apple Media Services Terms and Conditions.
Acceptable use
You agree not to:
- Reverse-engineer, decompile, disassemble, or attempt to derive the source code of the app, except to the extent applicable law expressly permits this despite the restriction.
- Copy, modify, distribute, sell, lease, or sublicense the app or any part of it.
- Use the app for any unlawful purpose or in violation of any applicable local, state, national, or international law.
- Interfere with or disrupt the app or attempt to gain unauthorized access to any systems related to it.
- Remove, obscure, or alter any proprietary notices in the app.
Your content
Ledger stores the purchase entries, budget amounts, and notes you enter (“your content”) locally on your device. You are solely responsible for your content and for keeping backups if you value it — deleting the app deletes your locally stored content. We do not host, review, or have access to your content.
Ledger Pro subscription
Ledger offers an optional auto-renewable subscription, “Ledger Pro,” currently priced at $4.99/month, which unlocks multiple budget envelopes, a monthly pattern view, CSV export, and custom accent-color themes. The following terms apply and are required by Apple:
- Billing. Payment is charged to your Apple ID account at confirmation of purchase.
- Auto-renewal. Your subscription automatically renews for the same price and duration unless you turn off auto-renew at least 24 hours before the end of the current period.
- Renewal charges. Your account will be charged for renewal within 24 hours prior to the end of the current period, at the then-current price for the subscription.
- Managing or cancelling. You can manage your subscription and turn off auto-renewal by going to your Apple ID Account Settings after purchase. Cancelling stops future renewals; it does not retroactively refund the current billing period.
- Refunds. All purchases are billed and processed by Apple, not by us. Refund requests are handled by Apple in accordance with Apple’s own refund policies and the standard Apple Media Services Terms and Conditions — not by the developer directly. To request a refund, visit reportaproblem.apple.com or use the “Report a Problem” link in your Apple ID purchase history.
- Price changes. If the subscription price changes, we will provide notice as required by Apple, and continued use after a price change constitutes acceptance of the new price.
Intellectual property
The app, including its design, graphics, and underlying code, is owned by Shimon Deitel and is protected by copyright and other intellectual property laws. Except for the limited license above, no rights are transferred to you.
Disclaimer of warranties
Ledger is provided “as is” and “as available,” without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the app will be uninterrupted, error-free, or that any calculation (including the “Safe to Spend” figure) will be accurate for your specific financial circumstances. Ledger is a budgeting tool, not financial, tax, or investment advice.
Limitation of liability
To the maximum extent permitted by applicable law, in no event shall Shimon Deitel be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of, or inability to use, the app, even if advised of the possibility of such damages. Our total liability for any claim arising from these Terms or the app shall not exceed the amount you paid us, if any, in the twelve (12) months preceding the claim.
Termination
These Terms remain in effect until terminated. We may terminate or suspend your license to use the app at any time if you fail to comply with these Terms. You may terminate by deleting the app from your device and canceling any active subscription.
Governing law
These Terms are governed by the laws of the State of New York, United States, without regard to its conflict-of-laws principles, except to the extent superseded by the Apple Media Services Terms and Conditions or applicable consumer protection law in your jurisdiction.
Apple as a third-party beneficiary
You acknowledge that these Terms are between you and Shimon Deitel only, not with Apple, and Apple is not responsible for the app or its content. Apple has no obligation to furnish maintenance or support for the app. In the event of any failure of the app to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, for the app; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app. Apple is a third-party beneficiary of these Terms and may enforce them against you.
Changes to these Terms
We may update these Terms from time to time. If we make material changes, we will update the “Last updated” date above. Continued use of the app after changes take effect constitutes your acceptance of the revised Terms.