Terms of service

1.1 These terms are an agreement between you — the business that registers or uses a Ledgr account — and BC Mobile Technologies (Pty) Ltd, a company registered in South Africa and based in Cape Town, which operates Ledgr. In this document Ledgr, we and us mean that company in respect of the Ledgr service.

1.2 They take effect when you first register an account, and they continue for as long as you hold one, whether or not you are paying for it.

1.3 If you are agreeing to these terms on behalf of a business, you confirm you are authorised to bind it. If you are an accountant, bookkeeper or practice acting for a client, you confirm you have your client's authority to act — and you remain responsible to us for the accounts you open.

1.4 The privacy policy forms part of this agreement. Together they are the whole of it; see section 23.4.

1.5 South African law governs this agreement, including the Consumer Protection Act 68 of 2008, the Electronic Communications and Transactions Act 25 of 2002 and the Protection of Personal Information Act 4 of 2013. Nothing here limits any right you have under those Acts that cannot lawfully be limited.

3.1 We provide Ledgr as a hosted service, on the plan you have chosen, for the term you have paid for. What each plan includes is published on the pricing page and shown in the app.

3.2 We may add capabilities, improve existing ones and fix faults at any time. We will not materially reduce what your plan includes during a term you have already paid for; if we need to, section 21 applies and you may cancel and be refunded the unused part.

3.3 Ledgr is offered on a free plan and on paid plans. The free plan is genuinely free — there is no card to begin, and it does not expire — and it is limited in what it includes, as the pricing page sets out.

3.4 Some capabilities depend on a third party you connect yourself — a payment gateway, a bank feed, WhatsApp. Section 12 governs those.

5.1 Prices are published on the pricing page and confirmed at checkout. The total shown at checkout is the amount charged, and nothing is added to it afterwards. Fees are payable in South African rand.

5.2 A term is one, three, six or twelve months, chosen by you. A twelve-month term is billed for eleven months of the twelve — the twelfth month is free in return for committing to a year.

5.3 Payment is by card, through our payment provider's own hosted checkout. Ledgr never sees or stores your card details.

5.5 Before your term ends we raise the renewal, prepare a payment link and email it to you: seven days before on a one, three or six-month term, and thirty days before on a twelve-month term (with a further reminder at seven days). If it is not paid we remind you again three days before, and three and ten days after the date has passed. You can keep working normally for seven days after the date; after that your books become read-only until the renewal is paid. The renewal is abandoned twenty-one days after the date and the plan lapses — see section 7. You can turn the automatic renewal reminders off, and back on, with the auto-renew switch in Settings → Billing & Plan.

5.6 A renewal is added to your existing expiry date, not to today. Paying a week early buys you a full term and costs you nothing in unused days.

5.7 Changing plan starts a fresh term and credits the unused part of the one you are leaving. The credit is computed from what you actually paid, not from the current list price — so a discount, an older price or a superseded band is honoured. Where the credit covers the whole new price, the change goes through at zero and no payment is involved.

5.8 Where we have issued you a licence key by hand — a partner arrangement, a pilot, a negotiated term — that key governs your entitlement for its own duration. A dated key does not renew itself; you are told before it expires and invited to subscribe.

5.9 Late payment does not accrue interest on a subscription: the term simply does not renew, and section 7 takes over. Where we have invoiced you on account rather than through the checkout, an overdue invoice accrues interest at the maximum rate permitted under the National Credit Act, and we may suspend the service on fourteen days' written notice.

5.10 We may change our prices. A change never affects a term you have already paid for, and we will tell you at least thirty days before it applies to your renewal.

7.1 Cancelling means stop renewing. Switch auto-renew off in Settings → Billing & Plan, or tell us. Nothing is switched off early: you keep everything you paid for, until the day you paid for it. There is no refund of a term already begun, and none is required, because nothing is being taken away from you.

7.2 A plan also ends by lapsing — a renewal that is not paid within twenty-one days of the date it was due. The consequence is identical to cancelling, and the month in 7.3 is counted from the day the paid term ended, not from the day the renewal was abandoned.

7.3 After the plan ends, your books stay readable for one month. You can sign in, open every report, and export everything. Writing is blocked; reading is not. Warnings go out 21, 7 and 1 days before that month runs out, naming the exact date.

7.4 From the date in the warnings, the account can be closed for good. This is not reversible. That date is the earliest it can happen. Closing deletes every file uploaded to the account — receipts, photographs, signatures, logos, and the backups we made of it — erases the name, email address and password of every user on it so nobody can sign in again, and closes the account so nothing in it can be opened through Ledgr. It does not erase the records you typed in: your accounting entries, invoices, contacts and employees stay in our database, closed off and unreachable, and are not anonymised. The privacy policy says how to ask for personal information in them to be destroyed. Export before the date in the warnings.

7.5 Export all data is in Settings → Data, on every plan including the free one, at any time, without asking us. It produces contacts, invoices and their lines, expenses, bills, products, time entries, employees, payslips, bank transactions, fixed assets, the chart of accounts and the general ledger as CSVs in a ZIP, and every other record of your business in it as one file per table. Sign-in credentials and uploaded files such as receipt photos are not in it. It is not a feature we can withdraw for non-payment, and we will not.

7.6 Bear in mind that the Tax Administration Act requires you to keep the records behind a return for five years. Exporting is therefore usually an obligation of yours, not merely a convenience.

7.7 We may terminate this agreement on thirty days' written notice, or immediately for a material breach you have not remedied within fourteen days of being told about it. If we terminate for any reason other than your breach, we refund the unused part of your term pro-rata, and section 7.3 still gives you the month to export.

9.1 Ledgr — the software, the design, the documentation, the name and the marks — belongs to us and to our licensors. You get a non-exclusive, non-transferable right to use it for your own business, for as long as your account is in good standing. Nothing more is granted by implication.

9.2 You may not copy, modify, decompile or reverse engineer the service, except to the extent the law expressly permits despite a term like this one; nor resell, sublicense or make it available to anyone outside your business, except under a partner or practice arrangement with us.

9.3 Your name, your logo and your branding remain yours. We will not use them publicly as a customer reference without asking you first.

9.4 If you send us an idea or a suggestion, we may act on it without owing you anything. Please do not send us anything confidential that you would rather we did not build.

13.1 We aim for 99.9% availability measured monthly, excluding scheduled maintenance, a force majeure event under section 20, and the failure of a third-party service. That is a target we work to, not a credit-bearing service level; where you need a contractual SLA, talk to us.

13.2 Scheduled maintenance is done outside South African business hours wherever possible, and we give notice of anything that will interrupt the service.

13.3 Support is by email — support@bcmobiletech.co.za for the product, billing@bcmobiletech.co.za for plans and invoices. What we undertake is on the support page. The service's own status is published at /health.

13.4 Ledgr works offline for reading: what you have already opened stays readable with no signal, and the app tells you when what you are looking at came from the device rather than the server. A limited set of writes queue on the device and are sent when the connection returns. Operations that depend on the state of the books at the moment they run — approvals, stock movements, converting a document, a payroll run, a SARS return, a bank import — are online-only by design, and the app says so. The offline guide lists exactly which are which.

15.1 Subject to 15.3, our total liability to you under or in connection with this agreement, in any twelve-month period, is limited to the fees you paid us for the service in the twelve months before the claim arose.

15.2 Subject to 15.3, we are not liable for indirect, incidental, special or consequential loss, nor for loss of profit, revenue, goodwill, anticipated savings, business opportunity, or for a penalty or interest charged by a third party, however it arises.

15.3 Nothing in this agreement excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, gross negligence, or anything else that South African law does not permit to be excluded — including any liability under the Consumer Protection Act that may not lawfully be limited.

15.4 Each of us must take reasonable steps to mitigate a loss. A claim must be brought within twelve months of the date you became aware, or ought reasonably to have become aware, of the facts giving rise to it.

17.1 Each of us will keep the other's confidential information confidential, use it only for this agreement, and protect it as carefully as our own. This obligation survives the end of the agreement for three years, and for as long as the law requires in respect of personal information.

17.2 It does not apply to information that is public through no breach, was already lawfully known, or must be disclosed by law — in which case the disclosing party tells the other first, unless it is forbidden to.

17.3 Your Data is your confidential information. Access by our staff is limited to those who need it to support or operate the service, and it is logged.

19.1 Where you are a natural person who concluded this transaction electronically, the Electronic Communications and Transactions Act gives you seven days to cancel without reason and without penalty, and to be refunded what you paid, less the direct cost of returning anything supplied. Write to billing@bcmobiletech.co.za.

19.2 That right does not extend to a service that has already been performed, with your consent, before the seven days ended.

19.3 In practice we would rather you did not need it: the free plan exists so that you can use Ledgr on your own books before you pay for anything.

21.1 We may amend these terms. The date at the top says which version you are reading.

21.2 Where a change is material — anything affecting your fees, your rights, your data, or what your plan includes — we will email you at least thirty days before it takes effect. Minor changes, such as correcting a reference or clarifying wording, take effect when posted.

21.3 If you do not accept a material change, you may cancel before it takes effect and we will refund the unused part of your term pro-rata. Continuing to use Ledgr after it takes effect means you accept it.

23.1 Severability. If a provision is found invalid or unenforceable, it is severed and the rest stands.

23.2 No waiver. Not enforcing a term on one occasion does not waive it.

23.3 Assignment. You may not transfer this agreement without our written consent, which we will not withhold unreasonably. We may transfer it to a successor of the Ledgr business, on notice to you.

23.4 Entire agreement. These terms, the privacy policy and any written order or licence arrangement between us are the whole agreement, and replace anything said or written before. Where they conflict, a signed written arrangement prevails over these terms, and these terms prevail over anything on the rest of this website.

23.5 Notices. Notices to you go to the email address on your account — keep it current. Notices to us go to the address in section 24.

23.6 Relationship. Nothing here makes either of us the other's agent, partner or employee.

23.7 Governing law. South African law governs this agreement and any dispute arising from it.