Key Principles
Product Scope
Offline-first personal app. The website is for info and support, never hosting ledgers.
Data Ownership
Books stay local on your device with your backup strategy; seek professional advice for tax/investing.
Transparency
We strive to keep channels accessible and answer any questions via direct email.
Terms and User Guidelines
These terms define product boundaries so you can use Simi Ledger with complete clarity and confidence:
Product positioning
Simi Ledger is an offline-first personal and family bookkeeping app. The website is for product info, downloads, and support — it doesn't offer hosted online ledgers.
Free and Pro
The core of Simi Ledger is free for good. Pro is an optional auto-renewing subscription, billed monthly or annually, that includes custom accounts, deeper reports, more books, full imports, end-to-end encrypted sync and automatic encrypted backups; new Pro features unlock with updates while you subscribe. The in-app subscription page lists exactly what it includes. We won't move the free core behind a paywall.
Subscriptions, renewal and cancellation
Subscriptions are bought with your Apple Account on the App Store and charged when you confirm; there is no free trial. A subscription renews automatically for the period you chose unless you cancel in Settings at least 24 hours before the current period ends. Managing, cancelling and refunds all go through Apple, under Apple's Media Services Terms and Standard License Agreement (EULA, https://www.apple.com/legal/internet-services/itunes/dev/stdeula/). For offer codes, the renewal terms Apple shows before you redeem apply.
Platforms and restoring purchases
A subscription belongs to the store account you bought it with and does not carry across platforms by default (an App Store subscription can't be used in a version from another store). On a new iPhone, use Restore Purchases in the app to recover a subscription on the same Apple Account.
Your data after a subscription ends
If a subscription ends or is refunded, your books, accounts and history all stay. Your standard book keeps taking entries; other books can be viewed, corrected, exported and backed up by hand, but don't take new entries. Sync pauses and resumes when you renew. We never use subscription status to keep you from your own data.
User responsibilities
You should verify the accuracy of what you record and protect your local books with your own device and backup strategy. For financial, tax, or investment decisions, combine this with professional advice.
Disclaimer and limitation of liability
Simi Ledger is a tool for recording and organising financial information. Reports, budget alerts and financial-freedom projections are based only on what you enter and are not financial, tax or investment advice. We work to keep the app running well but cannot promise it will be error-free or uninterrupted. To the fullest extent the law allows, we are not liable for indirect losses or data loss arising from using or being unable to use the app; export or back up important data regularly. Your statutory consumer rights are not affected.
Availability
We do our best to keep the website, downloads, and support channels available. Timing varies by platform, region, and app store, so rely on the information shown on the download page.
Changes to these terms
We may update these terms for new features or legal requirements and will update the "Last updated" date when we do; meaningful changes to what a subscription includes will be announced in the app or on the website in advance. Continuing to use the app after an update means you accept the new terms.
Contact
For questions about these terms, email ledger-support@simi.studio.