Privacy notice

This is a private, non-commercial personal finance service used only by its owner.

With the owner’s explicit request, it reads account details, balances and transactions through a read-only Open Banking connection. Normalized financial data is stored in the owner’s private Cloudflare D1 database to provide the dashboard. Ledger cannot initiate payments or modify bank data.

Connection and provider account identifiers are encrypted or hashed before storage. Checksum-valid IBANs found in counterparty or remittance text are redacted before persistence. Bank credentials are entered only at the bank and are never received or stored by Ledger.

Ledger does not infer or store financial categorization. The owner remains responsible for verifying information against official bank records.