Terms & Conditions

These Terms & Conditions ("T&C") govern your use of the LedgerLink mobile application and website operated by Ctoryteller ("LedgerLink", "we", "us", "our").

Relationship to our Terms of Service: These T&C supplement and form part of our Terms of Service. Where the words "Terms and Conditions" and "Terms of Service" are used (for example, in the App, on the website, or in an app-store listing), they refer to the same binding agreement between you and us. If there is any conflict on a service-level matter, the Terms of Service prevail; on a commercial/billing matter, these T&C together with the Refund & Cancellation Policy prevail. Your privacy is governed by our Privacy Policy.

By using the App, you accept these T&C.

1. Acceptance and eligibility

• You must be 13 years or older to use the App. If you are under 18, a parent or legal guardian must consent to your use and accept these T&C for you — a minor cannot contract in India, and under the DPDP Act 2023 a user under 18 is a Child whose data we may process only with verifiable parental consent.
• Only someone aged 18 or over may buy a Subscription or authorise a recurring payment.
• You accept these T&C by creating an account or using the App.
• If you act for a business, you confirm you are authorised to bind it.

2. Licence to use the App

We grant you a limited, non-exclusive, non-transferable, revocable licence to install and use the App on devices you own or control, solely for your lawful personal or business record-keeping. All rights not expressly granted are reserved.

3. Accounts and security

• Access requires phone-number verification via OTP. You may sign in with email, Google, or Apple.
• You are responsible for maintaining the confidentiality of your device and any App Lock PIN, and for all activity under your account.

4. Subscription plans, entitlements, and billing

4.1 Plans

The App offers a Free Trial and paid plans (currently Personal, Pro, and Elite), billed monthly or annually, with annual billing offered at a discount. The plans, prices, limits, and inclusions displayed in the App at the time you subscribe are the ones that apply. The table below is indicative of the plans offered as at the "Last updated" date above and may change:

4.2 Entitlements and limits

Each plan carries the two limits above and a set of included features. The features that depend on your plan are:

• GST billing — verifying a GSTIN, and issuing tax invoices;
• Bill and statement PDFs — generating a bill or statement for a Contact;
• Transaction report export — downloading a report of your transactions for a period;
• Bulk reminders — sending reminders to several Contacts in one flow;
• Profit & loss reports — including the category breakdown.

The App shows which of these your plan includes. Limits and entitlements are enforced by our servers, not merely hidden in the App: an action beyond your plan is refused, and bypassing the App does not get around it.

4.3 Free Trial

New accounts receive a Free Trial of 30 days from registration. No payment method is required to start it, and no payment is taken unless and until you choose to subscribe. When the trial ends, paid features stop working and the free tier's limits apply; your data is not deleted.

4.4 Billing

• Payment gateway: all payments are processed by Razorpay. We do not store your card, UPI, or bank credentials.
• Auto-renewal: paid subscriptions renew automatically at the end of each billing cycle at the then-current price, unless you cancel before the renewal date. By subscribing, you authorise recurring charges through Razorpay until you cancel.
• Taxes: the price shown at checkout is the amount charged. Any GST or other tax applicable to the Subscription is treated as stated at checkout and on your payment receipt.
• Price, plan, and entitlement changes: we may change prices, plans, limits, or features. We will give reasonable notice, and changes apply from your next billing cycle. Continued use after a change constitutes acceptance.
• Upgrades/downgrades: you may change plans as permitted in the App; changes take effect as described at the time of change. On a downgrade, features not included in the new plan stop working — export anything you need first — and no part of the fee already paid for the current cycle is refunded.

5. Cancellation and refunds

You may cancel your subscription at any time from the App or by contacting support. Cancellation stops future renewals; access to paid features continues until the end of the current paid period.

Once a paid billing cycle has started, its fee is not refundable — that is what the 30-day Free Trial is for. There are no pro-rata refunds for unused time, for a cancellation part-way through a cycle, or for a downgrade. Billing errors are a separate matter and are always corrected. See our Refund & Cancellation Policy, which governs in full.

6. Fair use and prohibited conduct

You agree not to:

• exceed or attempt to circumvent plan limits or feature gating;
• use the App for unlawful money-lending, harassment, spam, or fraud;
• send messages to Contacts without lawful basis or in breach of TRAI/DND rules;
• issue tax invoices through the App that you are not entitled to issue;
• reverse-engineer, tamper with, or disrupt the App or its security; or
• misuse another person's personal data entered into the App.

Breach may result in suspension or termination without refund.

7. Your content, records, and tax documents

• You own the data you enter. You are responsible for its accuracy and legality.
• The App is a record-keeping aid. An entry you record is applied to your own book immediately and to the other party's book only when they confirm it; disputes between you and your Contacts are solely between you and them.
• If you enable GST billing, the App generates documents headed "Tax Invoice" and keeps a record of each. You remain solely responsible for your GSTIN and your Contacts' GST details, for the rates and HSN codes you apply, for invoice numbering, and for filing and paying tax. Marking a period as "settled" in the App is a bookkeeping record and does not pay or file anything. See Section 5 of the Terms of Service.
• Tax invoice records are not editable once created; corrections are recorded as a void and reissue or as an adjustment.

8. Availability and support

We aim to keep the App available but do not guarantee uninterrupted or error-free operation. Support is available via the in-App Help & Support section, WhatsApp support, and ledgerlink@ctoryteller.com during our stated hours.

9. Disclaimers and liability

The App is provided "as is" without warranties. Our disclaimers of warranty and limitation of liability are set out in the Terms of Service and apply equally to these T&C. Keep your own backups of important records, and note that entries recorded offline live only on your device until they sync.

10. Intellectual property

The App, its content, trademarks, and software are owned by LedgerLink or its licensors. You may not copy, modify, distribute, or create derivative works except as permitted by law or with our written consent.

11. Third-party services

The App relies on third parties (Razorpay, MSG91, Supabase, Google, Apple, WhatsApp/Meta, a GSTIN verification provider, and others). Your use of those services may be subject to their terms, and we are not responsible for them.

12. Changes to these T&C

We may update these T&C from time to time. The "Last updated" date will change, and material changes will be notified in the App or by other reasonable means. Continued use constitutes acceptance.

13. Governing law and disputes

These T&C are governed by the laws of India. Disputes are subject to amicable resolution, then arbitration under the Arbitration and Conciliation Act, 1996, seated at Mumbai, Maharashtra, with the courts at Mumbai, Maharashtra having exclusive jurisdiction, as further described in the Terms of Service.

14. Grievance Officer and contact

• Grievance Officer: Faroze War, grievance@ctoryteller.com, +91-9970983661
• General contact: ledgerlink@ctoryteller.com | ctoryteller.com/ledgerlink/
• Address: Ctoryteller, 7th Floor, Skyline Icon, Andheri East, Mumbai 400059, India

We acknowledge complaints within 48 hours and endeavour to resolve them within 30 days.

This document is a template and does not constitute legal advice. Please have it reviewed by a qualified Indian legal professional before publishing.