Privacy policy

This Privacy Policy explains how Ledgerly, Inc. (“Ledgerly,” “we,” “us” or “our”) collects, uses, shares and protects personal information when you visit ledgerly.com, use the Ledgerly web and mobile applications, or otherwise interact with us (together, the “Services”). It covers business customers, authorized users, cardholders and website visitors.

Information we collect

We collect information you provide, information collected automatically when you use the Services, and information from third parties.

• Account and identity information, such as your name, email address, phone number, job title, date of birth, home address and government identification numbers required to verify your identity

• Business information, such as your company’s legal name, address, tax identification number, ownership structure and financial statements

• Financial information such as card transactions, invoices, bills and receipts

• Device and usage information, such as IP address, browser type, device identifiers, pages viewed and the dates and times of your activity

• Communications, such as messages you send to our support team

We receive information from identity verification providers, credit reference agencies, our partner banks, fraud prevention services and the integrations you choose to connect, such as accounting or payroll software.

How we use information

We use personal information to provide, maintain, secure and improve the Services, and for each of the following purposes:

• Opening accounts, issuing cards and processing payments

• Verifying identity and meeting our obligations under anti-money laundering, sanctions and customer due diligence laws

• Preventing fraud, unauthorized transactions and illegal activity

• Contacting you about your account, transactions and security alerts

• Sending product updates and marketing messages where the law allows it

• Analyzing how the Services are used to improve them

How we share information

We do not sell personal information. We share it only as described in this policy, including with our partner banks and card networks to provide accounts and process transactions; with service providers who perform services on our behalf, such as hosting, identity verification, customer support and analytics, under contracts that restrict their use of the information; with third-party applications you choose to connect; with authorized users and administrators of your company’s account; and with law enforcement, regulators or other parties when we believe disclosure is required by law or necessary to protect the rights, property or safety of Ledgerly, our customers or others.

If Ledgerly is involved in a merger, acquisition, financing or sale of assets, personal information may be transferred as part of that transaction, subject to the commitments in this Privacy Policy.

Cookies and tracking

We use cookies and similar technologies to keep you signed in, remember your preferences, understand how our website is used and measure the effectiveness of our marketing. Our Cookie Policy explains the categories of cookies we use and how you can manage them.

Data retention

We keep personal information for as long as your account is open and for as long afterward as needed to comply with our legal obligations, resolve disputes and enforce our agreements. Financial regulations generally require us to keep transaction and identity records for at least five years after an account closes.

Security

We protect personal information with administrative, technical and physical safeguards, including encryption in transit and at rest, access controls and regular security testing. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Our Security Overview describes these measures in more detail.

Your choices and rights

You can review and update your account information at any time in your account settings. You can opt out of marketing emails by using the unsubscribe link in any message; we will keep sending account and security communications.

Depending on where you live, you may have the right to request access to the personal information we hold about you, to ask us to correct or delete it, to receive a copy in a portable format, and to opt out of certain processing, including targeted advertising. Residents of California and other states with consumer privacy laws may exercise these rights by emailing privacy@ledgerly.com. We will verify your request and respond within the time required by law. We will not discriminate against you for exercising your rights. Some information is exempt from deletion under financial regulations.

Children

The Services are built for businesses and are not directed to anyone under 18. We do not knowingly collect personal data from children or minors.

International transfers

Ledgerly is based in the United States and processes information in the United States and other countries where our service providers operate. Where we transfer personal information across borders, we use appropriate safeguards required by applicable law.

Changes to this policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify account owners by email at least 30 days before the changes take effect and update the date at the top of this page.

Contact us

If you have questions about this policy or our privacy practices, email privacy@ledgerly.com or write to Ledgerly, Inc., 148 Lafayette Street, 6th Floor, New York, NY 10013, Attention: Privacy Team.