In one line: LoanLedger keeps your lending data in your own private, access-controlled account, encrypted in transit and at rest. Only you can reach it — we never sell it or share it with advertisers.
1. Summary
Your lendee records, loans, schedules, payments and receipts are stored in a private account tied to your authenticated sign-in, held on secure managed infrastructure and cached on your device for speed. Access is restricted to you; we do not use your ledger for advertising and never sell it to third parties.
2. What we collect
To operate your account we process the records you enter — lendee details, loans, schedules, payments and settings — together with the account credential used to sign you in. We do not sell this data, use it for advertising, or share it with third parties for their own purposes.
We may also process anonymous crash diagnostics to keep the app stable. This contains technical error information (device model, Android version, the code path that failed) and never contains ledger content. You can opt out in Settings.
3. How your data is stored
Your data is held in your private account on secure, managed infrastructure and cached locally on your device so the app stays responsive. This includes:
- Lendee profiles (names, NIC, contact numbers you choose to add)
- Loans, interest terms and installment schedules
- Payment records and generated receipts
- SMS reminder templates and your app settings
Data is encrypted in transit and at rest, and in-app access is additionally protected by your PIN and, on supported devices, biometric lock. See our Data Policy for the full technical detail.
4. Permissions we request
LoanLedger requests the minimum Android permissions needed to function:
- SMS — only to send reminder messages you initiate. LoanLedger never reads incoming messages.
- Contacts (optional) — only if you choose to import a borrower's number from your contacts.
- Storage — only to write backup files and receipts you export.
You may deny any of these; the related feature simply becomes unavailable, and the rest of the app continues to work.
5. SMS & contacts
When you send a reminder, the message is dispatched through your phone's own SMS system to the number you selected. Standard carrier charges apply. We do not route messages through any intermediary, and message content is never copied to us.
6. Third-party services
LoanLedger does not embed advertising SDKs or social login providers, and we never sell your data. We rely on trusted infrastructure providers to host and secure your account and, if enabled, to process anonymous crash diagnostics; these providers act on our instructions and are bound to keep your data confidential. See our Data Policy for the full technical breakdown.
7. Children
LoanLedger is a business tool intended for adults and is not directed at children under 16. We do not knowingly process any data relating to children.
8. Your rights & control
You control your data. You can edit or delete any record at any time, export a copy, or clear all data from within Settings. You may also request deletion of your entire account, which permanently removes the associated data from our systems.
9. Changes to this policy
If we update this policy, the effective date above will change and material updates will be surfaced in-app. Continued use after an update constitutes acceptance of the revised policy.
10. Contact
Questions about privacy? Reach us at privacy@loanledger.lk. We aim to respond within five business days.