Terms of Service

Ledger reads a PDF bank statement you upload, extracts its transactions, categorises them, and produces a written analysis (totals, breakdown, cuts to consider). The service is provided as-is for personal, informational use. It is not financial advice and is not a substitute for consultation with a licensed professional.

We authenticate via email magic link. You are responsible for keeping your inbox secure — anyone with access to a sign-in email link can sign in. We reserve the right to disable accounts engaged in abuse, fraud, or violations of these terms.

Paid plans renew automatically at the interval shown at checkout (currently monthly). You can cancel any time from your dashboard — access continues until the end of the current paid period, after which the subscription ends without further charges.

Refund policy: within 14 days of any charge, email support@bittystudio.comfor a full refund, no questions asked. Past 14 days, we'll review refund requests case-by-case but make no guarantee.

Failed analyses (parsing failed, model refused, garbage output) do not consume your free quota and do not constitute a paid service rendered.

• Don't upload statements you don't own or aren't authorised to analyse.
• Don't attempt to extract, reverse-engineer, or resell the analysis output as a derivative service.
• Don't use Ledger to launder, screen, or otherwise process financial data in violation of any applicable law (AML, sanctions, KYC).
• Don't abuse the service — automated scraping, brute force, or load-testing without consent.

You retain ownership of the statements you upload and of the analyses generated from them. We do not claim license to your data. We use only the extracted text to generate the analysis you requested, and we may keep the structured analysis result in your account so you can re-open past reports.

The Ledger interface, source code, documentation, branding, and design system are owned by Bitty Studio. Don't copy or rebrand them.

Ledger is provided as-iswithout warranty of any kind, express or implied. We don't guarantee parsing accuracy, the correctness of categorisation, or the soundness of insights. Spot-check the results against your statement before acting on them.

We don't store your original PDF. Once parsed, the file is discarded. We can't recover statements you no longer have.

To the maximum extent permitted by law, Bitty Studio's aggregate liability for any claim arising from your use of Ledger is limited to the amount you paid in the 12 months preceding the claim, or €50 — whichever is lower. We're not liable for indirect, consequential, or punitive damages.

We may update these terms over time. Material changes will be announced at least 14 days in advance via email and a notice on this page. Continued use after the effective date constitutes acceptance.

You can terminate your account any time — sign-out + email support@bittystudio.com requesting deletion. We remove your data within 30 days (subject to legal retention obligations).

These terms are governed by the laws of Croatia. Disputes are resolved in the courts of Zagreb, unless mandatory consumer-protection law in your jurisdiction provides otherwise.