LedgerLink · Legal

Terms of Service

Effective date: 21 August 2026Last updated: 21 August 2026App name: LedgerLinkService provider: Ctoryteller ("we," "us," "our")Contact email: ledgerlink@ctoryteller.comGrievance Officer: Faroze War (grievance@ctoryteller.com)

These Terms of Service ("Terms") are a legally binding agreement between you ("you", "User") and Ctoryteller ("LedgerLink", "we", "us", "our") governing your access to and use of the LedgerLink mobile application and related services (the "Service").

By downloading, accessing, or using the Service, you agree to these Terms, our Privacy Policy, our Refund & Cancellation Policy, and our Terms & Conditions, which are incorporated by reference. If you do not agree, do not use the Service.

1. Definitions

  • "Account" — your registered LedgerLink account.
  • "Contact" — any customer, supplier, or other party you add to your ledger.
  • "Content" — data you enter, including contacts, transactions, inventory, notes, tax details, and bills.
  • "Entry" — a transaction or payment you record against a Contact.
  • "Subscription" — a paid plan (e.g., Personal, Pro, Elite) or the Free Trial.

2. Eligibility and acceptance

LedgerLink is a record-keeping tool, and we do not think keeping a record of your own transactions should have an adult-only door on it. So:

  • You must be at least 13 years old to use the Service.
  • If you are under 18, you may use the Service only with the knowledge and consent of a parent or legal guardian, who must read and accept these Terms on your behalf. Under the Indian Contract Act, 1872, a minor cannot enter into a contract — so where the user is under 18, these Terms are an agreement with that parent or guardian, who is responsible for the account and for the use made of it. Under the Digital Personal Data Protection Act, 2023, a user under 18 is a Child, and we process a Child's personal data only with verifiable parental consent; see Section 11 of the Privacy Policy.
  • Only a person aged 18 or over may purchase a Subscription, authorise a payment, or agree to a recurring charge. A parent or guardian who does so for a minor's account does so in their own name and is responsible for the charges.
  • If you use the Service on behalf of a business, you represent that you are authorised to bind that business, and "you" includes that business.
  • You must provide accurate registration information and keep it current.

3. Your account

  • Registration requires a valid mobile number verified by OTP. You may sign in with email, Google, or Apple.
  • You are responsible for all activity under your Account and for safeguarding your device, credentials, and any App Lock PIN.
  • Notify us immediately of any unauthorised use. We are not liable for losses arising from your failure to secure your Account.

4. Nature of the Service — important

  • LedgerLink is a digital record-keeping and bookkeeping tool that helps you record who owes you and whom you owe, manage inventory, issue bills, and send reminders.
  • LedgerLink is not a bank, non-banking financial company (NBFC), payment system, lender, money-transfer service, or accounting/tax/legal advisor. We do not hold funds, extend credit, or facilitate the transfer of money between users.
  • Records in the App are for your convenience and reference. Except as described in Section 5, they do not by themselves constitute legally binding invoices, contracts, tax documents, or proof of debt unless you independently ensure they meet applicable legal and evidentiary requirements. You are solely responsible for the accuracy and legal sufficiency of your records.

4.1 How a two-sided Entry works

  • An Entry you create is applied to your book immediately. It reaches the other party's book only when they confirm it.
  • The other party can confirm or dispute an Entry. Entries do not expire; an unconfirmed Entry stays pending until it is confirmed, disputed, or withdrawn.
  • Only the creator can withdraw an unconfirmed Entry. Withdrawing deletes it for both parties and reverses its effect on the creator's balance. This cannot be undone.
  • A confirmed Entry becomes part of the other party's own records and cannot be unilaterally removed by you.
  • The two-sided confirmation feature is a convenience for mutual record-keeping. Any dispute over a transaction, amount, or debt is solely between you and the other party. We are not a party to, and take no responsibility for, such disputes, and we will not adjudicate them.

5. GST billing — your responsibility

Where your plan includes it, you may enable GST billing by submitting your GSTIN for verification. If you do:

  • The App will generate documents headed "Tax Invoice", assign invoice numbers in sequence, compute CGST/SGST/IGST from the rate and place of supply recorded against each item and Contact, and keep a record of each invoice and of the periods you mark as settled.
  • You are responsible for the correctness of your GSTIN, your legal and trade name, each Contact's GSTIN and place of supply, HSN codes, tax rates, invoice numbering, and for issuing, retaining, and reporting invoices as GST law requires.
  • We are not a GST Suvidha Provider, tax consultant, or filing agent. We do not file returns, remit tax, or communicate with the GST authorities on your behalf. Verification of a GSTIN confirms only what the verification source returned at that moment; it is not an endorsement or a legal opinion.
  • Marking a period as "settled" in the App is a bookkeeping record only. It records that you consider the tax for that period dealt with. It does not pay tax to the government, file a return, or discharge any liability.
  • Once created, a tax invoice record is not editable. Corrections are recorded as a void and reissue, or as a separate adjustment entry, so the history remains auditable.
  • If your GST registration is cancelled or lapses, you must stop issuing tax invoices through the App.

6. Acceptable use

You agree not to:

  • use the Service for any unlawful, fraudulent, or abusive purpose, including unlicensed money-lending, harassment, or intimidation;
  • add Contacts or send reminders/messages without a lawful basis and the necessary consent, or in violation of TRAI regulations, DND preferences, or anti-spam laws;
  • issue tax invoices you are not entitled to issue, or use the GST features to misstate tax;
  • upload unlawful, defamatory, obscene, or infringing content;
  • attempt to breach security, reverse-engineer, scrape, overload, or disrupt the Service;
  • exceed or attempt to circumvent the limits and feature gating of your plan;
  • use the Service to store or process data you are not entitled to; or
  • resell, sublicense, or commercially exploit the Service except as expressly permitted.

You are solely responsible for the Content you enter and for obtaining any consents required to add third-party Contact information.

7. Communications and reminders

  • The Service lets you send bills and payment reminders to Contacts. Where you send them over WhatsApp, SMS, or email, the message is composed in your own messaging app and sent by you — you are the sender, and you are responsible for its content, for having recipient consent, and for compliance with applicable telecom, messaging, and data-protection laws.
  • One message we send on your behalf: when you record a transaction for a Contact who is not yet a LedgerLink user, we may send that Contact a single SMS inviting them to download the App, identifying you by the name on your profile, no more than once every 14 days per number. By recording such a transaction you instruct us to do so and confirm you have a lawful basis for giving us that number.
  • You consent to receive transactional and service communications from us (e.g., OTPs, notices about Entries awaiting your response, receipts, and important announcements), including in-App notifications.

8. Plan entitlements and limits

  • Each plan carries limits (such as the number of Contacts and the number of transactions you may record per day) and a set of included features (such as GST billing, bill and statement PDFs, transaction report export, bulk reminders, and profit-and-loss reports). What your plan includes is shown in the App.
  • These limits and entitlements are enforced by our servers, not merely hidden in the App. An action beyond your plan is refused, and any attempt to bypass the App to perform it will also be refused.
  • We may add, change, or withdraw plans, limits, and included features, as described in Section 9 and in our Terms & Conditions.
  • If your Subscription ends, expires, or is downgraded, features not included in your new plan stop working, and data already recorded through them may become read-only or unavailable in the App. Your data is not deleted for this reason, but export it before downgrading if you need it.

9. Subscriptions, billing, and taxes

  • Certain features require a paid Subscription. Plans, prices, billing cycles (monthly/annual), and included features are shown in the App and described in our Terms & Conditions.
  • Payments are processed by Razorpay. By subscribing, you also agree to Razorpay's terms. Subscriptions renew automatically at the end of each billing cycle unless cancelled beforehand.
  • The price shown at checkout is the amount you will be charged. Any GST or other tax applicable to the Subscription is treated as stated at checkout and on your payment receipt.
  • Fees for a billing cycle that has started are not refundable, which is why the Free Trial exists; cancelling stops the next renewal rather than refunding the current period. Billing errors are always corrected. Cancellations and refunds are governed in full by our Refund & Cancellation Policy.
  • We may change plans, features, or prices with reasonable prior notice; changes apply from your next billing cycle.

10. Free Trial

New accounts receive a Free Trial of 30 days, starting on the day you register, so you can evaluate the Service before paying. No payment method is required to start it and no payment is taken during it. What the trial includes is described in our Terms & Conditions. Unless you subscribe, paid features become unavailable when the trial ends, and your account is subject to the free tier's limits. We may modify or withdraw trial offers at any time; a change will not shorten a trial already running.

11. Intellectual property

  • The Service, including its software, design, logos, and trademarks, is owned by LedgerLink or its licensors and is protected by law. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App for its intended purpose.
  • Your Content remains yours. You grant us a limited licence to host, process, and display your Content solely to provide and improve the Service.

12. Third-party services

The Service integrates third-party services (for example Razorpay, MSG91, Supabase, Google, Apple, WhatsApp, and a GSTIN verification provider). We are not responsible for third-party services, and your use of them may be subject to their own terms.

13. Disclaimers

  • The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement.
  • We do not warrant that the Service will be uninterrupted, error-free, or that data will always be accurate, available, or preserved. Maintain your own backups of important records.
  • Entries you record while offline are held on your device until they can be sent to our servers. Until they sync, they exist nowhere else: uninstalling the App, clearing its data, or signing in on another device will lose them. We are not liable for records lost this way.
  • We do not provide financial, accounting, tax, or legal advice.

14. Limitation of liability

To the maximum extent permitted by law:

  • We will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, data, goodwill, or business, arising out of or relating to the Service.
  • Our total aggregate liability for any claim relating to the Service will not exceed the greater of (a) the amount you paid us for the Subscription in the three (3) months preceding the claim, or (b) INR 1,000 (or the minimum amount permitted by applicable law if this cap is not enforceable).
  • Nothing in these Terms excludes liability that cannot be excluded under applicable law.

15. Indemnification

You agree to indemnify and hold harmless LedgerLink and its directors, officers, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from your Content, your use of the Service, the invoices and tax records you issue through it, your communications to Contacts, or your breach of these Terms or of any law.

16. Suspension and termination

  • You may stop using the Service at any time, and may request deletion of your Account as described in the Privacy Policy.
  • We may suspend or terminate your access, with or without notice, if you breach these Terms, if required by law, or to protect the Service or other users.
  • On termination, your licence ends. We may retain and delete data as described in the Privacy Policy — including retaining tax records for the period required by law, and leaving confirmed Entries in the other party's book.

17. Changes to the Service and Terms

We may modify the Service or these Terms. Material changes will be notified in the App or by other reasonable means, and the "Last updated" date will change. Continued use after changes constitutes acceptance.

18. Governing law, jurisdiction, and dispute resolution

  • These Terms are governed by the laws of India.
  • The parties will first attempt to resolve any dispute amicably. Failing which, disputes shall be referred to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996, seated at Mumbai, Maharashtra, conducted in English.
  • Subject to arbitration, the courts at Mumbai, Maharashtra have exclusive jurisdiction.

19. Grievance Officer

For complaints regarding the Service or content, contact our Grievance Officer:

  • Name: Faroze War
  • Email: grievance@ctoryteller.com
  • Phone: +91-9970983661
  • Address: Ctoryteller, 7th Floor, Skyline Icon, Andheri East, Mumbai 400059, India

We aim to acknowledge complaints within 48 hours and resolve them within 30 days, as required by the Consumer Protection (E-Commerce) Rules, 2020, and the IT Act.

20. Force majeure

We are not liable for any failure or delay caused by events beyond our reasonable control, including acts of God, outages, network or provider failures, cyber-attacks, government action, or pandemics.

21. Miscellaneous

  • Severability: if any provision is held unenforceable, the rest remain in effect.
  • Entire agreement: these Terms, together with the Privacy Policy, Refund Policy, and Terms & Conditions, are the entire agreement between us.
  • Assignment: you may not assign these Terms without our consent; we may assign them in connection with a business transfer.
  • Waiver: our failure to enforce any right is not a waiver.
  • Language: the App is offered in several languages. The English version of these Terms prevails over any translation.

22. Contact

Email: ledgerlink@ctoryteller.com Address: Ctoryteller, 7th Floor, Skyline Icon, Andheri East, Mumbai 400059, India | Website: ctoryteller.com/ledgerlink/

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

Privacy PolicyLedgerLink legal document
Terms & ConditionsLedgerLink legal document
Refund & Cancellation PolicyLedgerLink legal document