Terms of service

These terms apply to Ledger, provided by Vereon Ltd. By creating a business on Ledger or accepting an invitation to one, you agree to them. Last updated 25 October 2026.

The product

Ledger is software for keeping a business's books: invoices, supplier bills, expenses, payments, transfers and journals; customers, suppliers and what each owes; stock at average cost; cash, bank and wallet accounts and their reconciliation with a bank's statement; the reports made from them; imports from other software or spreadsheets; Ledgy, its helper, and access for AI assistants you connect; and, if you choose, a connection to Vereon's other products (Register, Offr and Trazr) so their records post to your books. Ledger records money; it doesn't move it, and it doesn't connect to banks. We may change or add features; we will not remove something you rely on without notice.

Your account and your business

• Ledger is for businesses. You must be 18 or over to use it.
• Keep your sign-in private. You are responsible for what is done with it.
• The business's owner and its admins decide who is on the team and with what role, and can remove anyone but the owner. Only the owner can hand the business over or close it.
• What you record must be honest: invoices for what you really sold, at the prices and with the tax you really charged.
• For the personal data your business puts into Ledger (your customers' and suppliers' details), we act on your behalf as described in the privacy policy. Ask us for a data processing agreement if you need one.

Your books and your tax

Ledger works out totals, balances, tax and reports from what you record. It starts each business with a chart of accounts and, in Pakistan and the UK, tax rates for its market: those are a starting point, and which rates apply to what you sell is for you and your adviser to decide. Ledger doesn't give tax, legal or accounting advice, and doesn't file returns with FBR, HMRC or anyone else: your accounts, your tax and your returns stay your responsibility. Check the figures before you rely on them, and keep your own copies of what the law asks you to keep (every report exports as a CSV).

Emails to your customers

Ledger emails your customers on your behalf when you ask it to: invoices, and payment reminders if you switch them on. You must have the right to email the addresses you enter. Invoice emails are not a marketing channel, and using them as one is a breach of these terms.

Acceptable use

Do not use Ledger for anything unlawful, to make false invoices or records, to mislead anyone about what they owe, to spam, or to interfere with the service or other businesses on it. We may suspend a business that does.

Payment

Ledger costs, per business, Rs 1,500 a month or Rs 15,000 a year for a business paying in Pakistani rupees, £5 a month or £50 a year for one paying in pounds, and $6 a month or $60 a year in US dollars for any other, billed in that currency by card through Stripe. A subscription stays in the currency it started in. No VAT is charged, as Vereon Ltd is not VAT-registered; if that changes, we'll tell you before prices change. Every new business starts with a free week, no card asked for. When the week ends without a subscription, or a subscription ends, Ledger becomes read-only: nothing new can be recorded, and nothing is deleted. You can cancel at any time (Settings → Billing → Manage subscription), and a cancelled business keeps working until the end of the period it has paid for. There are no fees per invoice, and Ledger takes no share of anything.

That price includes one person on your team. Each further team member who can sign in to your business (someone who has accepted an invitation in Settings → Team) adds Rs 150 a month or Rs 1,500 a year in rupees, £0.50 a month or £5 a year in pounds, and $0.60 a month or $6 a year in US dollars, at the same interval and on the same invoice as the plan. Invitations that haven't been accepted are not charged for. When the number of team members changes during a billing period, the difference is prorated by Stripe onto your next invoice.

Connected apps and AI assistants

If you connect Register, Offr or Trazr, you authorise Ledger to read that product's records for your business and post them to your books, until you disconnect. Each product stays under its own terms and its own plan; Ledger never writes back to it, and disconnecting keeps what was already posted. Ledgy and any AI assistant you connect can read and draft, but never issue a document or record money, and like any software they can be wrong: check what they draft before you issue it. An assistant you connect yourself is under its own provider's terms.

Your content and your data

What you put into Ledger — your books, your customers and suppliers, your files — stays yours. You give us the permission needed to store it, show it to your team, put it on your invoices and send the emails you ask for. We make no other use of it, and your owner, admins and accountant can export the reports at any time.

Liability

Ledger is provided with reasonable care and skill. We are not liable for the decisions you make from its figures or the returns you file from them, for a payment that didn't reach you, for not being able to use Ledger while your device or internet connection is down, for loss caused by your own content or by events outside our control, and our liability for anything else is limited to the fees paid for your business in the twelve months before the claim. Nothing here limits liability that cannot be limited by law.

Ending

The owner can close the business at any time, from Settings; closing deletes the books, so export what you need to keep first. We can end these terms with 30 days' notice, or at once if they are broken. After ending, the privacy policy says what happens to the data.

Law and contact

These terms are governed by the law of England and Wales. Questions go to info@vereon.tech.