Effective Date: December 15, 2025

LedgerNote (hereinafter referred to as "the App") respects and protects your privacy.

This Privacy Policy explains how we collect, use, store, and safeguard your personal

data, as well as your rights when using the App.

1. Data Collection

When you use LedgerNote, we may collect the following information:

• Account Information: Bank cards, credit cards, savings cards, e-wallets, and

online payment accounts (limited to account type and balance information; full card

numbers or passwords are not stored)

• Transaction Data: Your income and expense records, category information,

and financial statistics

• Device Information: Device type, operating system version, app usage,

network information, etc.

• Voluntarily Provided Information: Notes or custom categories you enter

within the App

2. Data Use

Collected personal data is used solely for the following purposes:

• To provide and optimize account balance management, income and expense

tracking, and asset statistics

• To generate personalized asset reports and visual charts

•

To improve App functionality and user experience

•

To ensure App security and prevent fraud or unauthorized access

3. Data Storage and Security

• All data is stored locally and encrypted on your device

• User data will not be sold or shared with third parties

• We implement technical and administrative measures to protect data from

unauthorized access, alteration, or disclosure

4. Data Sharing

We may share your data in the following circumstances:

• Legal Requirements: When required by Malaysian laws, regulations, or legal

procedures

•

Service Providers: To trusted third-party service providers for App functionality

maintenance, without use for other commercial purposes

5. User Rights

Under Malaysia's Personal Data Protection Act 2010 (PDPA), you have the right to:

•

Access the personal data you have submitted

•

Request correction or deletion of your personal data

• Withdraw consent for certain data processing (if App functionality allows)

To exercise your rights, please contact us via the "Contact Us" section in the App or

by emailing help@ledger-note.com.

6. Children’s Privacy

The App is not intended for children under 13 years old. If we inadvertently collect

data from a child under 13, it will be deleted immediately.

7. Privacy Policy Updates

We may update this Privacy Policy from time to time. All updates will be announced

in the App, with the updated effective date. Please review regularly to stay informed.

8. Contact Information

For any privacy-related inquiries, you may contact us at:

Email: help@ledger-note.com