Frequently asked questions
Everything people ask before subscribing — including the parts that are not flattering.
What is Ledger?
Ledger is a bank-linked personal finance service. It imports about six months of transaction history, sorts it into categories you can act on, tracks month-over-month habits and flags recurring charges — including ones that have gone dormant. Ledger is a service, not a company: it is provided and operated by LAC Tech (lactech.net).
How much does Ledger cost?
Ledger is $29.99 per month, or you can pay annually and save 10%. There is one plan and every feature is included — no tiers, no add-ons and no per-account charges.
Are payments refundable?
Yes — Ledger comes with a 14-day money-back guarantee. Request a full refund within 14 days of your payment, no reason needed and no requirement to leave the account unused. Email luc@lactech.net and we will refund to your original payment method; renewal charges are considered case by case.
Who processes my payment?
Payments are processed by Stripe, a PCI-certified payment processor. Stripe collects and stores your card details; LAC Tech issues your invoice. Card details are never stored by Ledger itself.
Can Ledger move money out of my accounts?
No. Ledger requests balance and transaction data only. There is no transfer or payment capability anywhere in the product, so the permission is not simply unused — it does not exist.
Does Ledger see my bank password?
No. Credentials are entered inside the bank-data aggregator's secure module and exchanged for a read-only token. Ledger stores the token in server-side secrets that never reach your browser.
How does recurring-charge detection work?
Ledger fingerprints merchants across your history and looks for repetition: three or more appearances, consistent amounts within about twelve percent, and consistent spacing. Charges that match the pattern but have not appeared in 45 days are flagged as dormant.
Can I try it without linking a real bank?
Yes. Demo mode generates six months of realistic accounts and transactions so you can explore the full dashboard before connecting anything.
What happens to my data if I cancel?
Disconnecting an institution removes its accounts and transactions from your workspace. Deleting your account removes personal and financial records within thirty days, apart from billing records we are legally required to keep.
Is Ledger financial advice?
No. Everything Ledger produces is informational. It is not financial, investment, tax or legal advice, and decisions about your money remain yours.
Still unsure? Read the Terms of Service and Privacy Policy, or browse the guides.