Terms and Conditions

Effective date: August 14, 2026

These Terms and Conditions ("Terms") govern your use of the Money Ledgr mobile application and this website (together, the "Service"), provided by NVS Technologies ("we", "us", or "our"). By installing or using Money Ledgr you agree to these Terms. If you do not agree, please do not use the Service.

1. Using Money Ledgr

You may use Money Ledgr for your own personal, lawful purposes. You must be old enough to form a binding agreement where you live, or have the permission of a parent or guardian. You agree not to misuse the Service, interfere with its operation, attempt to gain unauthorised access, or copy, reverse engineer or resell any part of it except where the law allows.

2. Your Data and Responsibilities

You are responsible for the accuracy of the information you enter, for keeping your device secure, and for backing up records you care about. Money Ledgr works with the figures you provide, so the quality of its reports depends on the quality of your entries. How we handle your information is described in our Privacy Policy.

3. Not Financial Advice

Calculators, projections, reports and summaries in Money Ledgr are for information and personal planning only. They are estimates, not financial, investment, tax, legal or lending advice. Please consult a qualified professional before making financial decisions.

4. Plans, Subscriptions and Payments

Money Ledgr offers a Free plan that may display advertisements, and optional Base and Premium subscriptions. Subscriptions are purchased and billed through Google Play, and are subject to Google Play's terms, including its payment, renewal, cancellation and refund policies. You can manage or cancel a subscription in your Google Play account settings. We do not receive or store your full payment card or bank account details.

5. Advertising and Third-Party Services

The Service uses third-party services such as Google AdMob and Google Play Billing. These services are governed by their own terms and privacy policies, and we are not responsible for them.

6. Intellectual Property

The Money Ledgr name, logo, app design, text and software belong to NVS Technologies or its licensors and are protected by applicable law. We grant you a limited, personal, non-exclusive, non-transferable licence to use the app for its intended purpose. The records you create remain yours.

7. Availability and Changes

We work to keep Money Ledgr reliable, but we cannot promise that it will always be available, error-free or uninterrupted. We may update, change or discontinue features, and may change plan limits or pricing, with notice where required by law.

8. Disclaimer of Warranties

To the fullest extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including fitness for a particular purpose and accuracy of results.

9. Limitation of Liability

To the fullest extent permitted by law, NVS Technologies will not be liable for any indirect, incidental or consequential loss, including loss of data, profit or savings, arising from your use of the Service or from decisions you make based on it. Nothing in these Terms limits liability that cannot be limited under applicable law.

10. Suspension and Termination

You may stop using Money Ledgr at any time by uninstalling the app. We may suspend or end access to the Service if you breach these Terms or misuse the Service.

11. Changes to These Terms

We may update these Terms from time to time. The updated version will be published at this URL with a revised effective date. Continuing to use the Service after a change means you accept the updated Terms.

12. Governing Law

These Terms are governed by the laws of India. Any dispute will be subject to the jurisdiction of the competent courts in India, unless consumer protection law where you live gives you other rights.

13. Contact Us

Money Ledgr by NVS Technologies
Email: support.nvstechnologies@gmail.com

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