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Terms of Service

Effective November 17, 2026

These Terms set out the conditions and procedures for using the household-ledger service provided by Cheddr (the "Service") and the rights and obligations of users and the Service. If this English version differs from the Korean version, the Korean version prevails.

Article 1 (Definitions)

  1. "User" means a person who uses the Service under these Terms.
  2. "Account" means the email or social sign-in information a user uses to sign in to the Service.
  3. "Ledger records" means all information a user enters or stores in the Service, such as transactions, assets, budgets and memos.
  4. "Premium" means the subscription product the Service offers for a fee.
  5. "One-time purchase" means a product such as ad removal or a design that, once paid for, can be used without a subscription.
  6. "Shared ledger" means a ledger used together with other users invited by the person who created it (the owner).

Article 2 (Effect and changes of the Terms)

  1. These Terms take effect when posted on the Service screens or web page.
  2. The Service may change the Terms within what the law allows, and will announce changes from 7 days before they take effect (30 days for changes unfavorable to users).
  3. A user who does not agree to the changed Terms may stop using the Service and delete the account.

Article 3 (Sign-up and accounts)

  1. Users can sign up with an email, Kakao, Google or Apple account. Children under 14 cannot sign up.
  2. Users must keep their account secure and must not use another person's account.

Article 4 (The Service)

  1. The Service provides ledger functions such as recording, asset and card management, budgets, analysis, reports and recurring transactions on the mobile app and the PC app.
  2. Free users can use all ledger functions of the mobile app, and ads are shown in the mobile app.
  3. The PC app allows entering and editing for 30 days after sign-up (free trial); after that, free users can only view records on the PC app.
  4. Free users can have 1 ledger and Premium users up to 3.
  5. The Service may change its content for operational or technical reasons and will give notice in advance of important changes.
  6. The Service is offered in the countries shown in the app stores (App Store, Google Play). It is currently not offered in the European Union, the European Economic Area, the United Kingdom, Switzerland or China, and the Service may decide and change the countries where it is offered.

Article 5 (Premium subscription)

  1. Premium includes: entering and editing on the PC app, 3 ledgers, ledger sharing, receipt storage on the server, ad removal and all designs.
  2. Price: KRW 2,500 per month or KRW 20,000 per year (VAT included). The amount actually charged is the amount, in your local currency, shown in the app store.
  3. Payment is made through the App Store or Google Play, and each app store's payment terms also apply.
  4. A subscription renews automatically on the same terms unless canceled at least 24 hours before the end of the period.
  5. You can cancel in the App Store (Settings > Apple Account > Subscriptions) or Google Play (Payments & subscriptions). After canceling you can use Premium until the paid period ends.
  6. Deleting your account does not cancel the subscription billed by the app store, so cancel the subscription before deleting your account.

Article 5-2 (One-time purchases)

  1. One-time purchases include ad removal (KRW 9,900) and designs (KRW 2,900 each) (VAT included). The amount actually charged is the amount shown in the app store in your local currency, and the Service may add or change designs and prices.
  2. One-time purchases are not subscriptions and do not renew. Once purchased, they can be used on the account that bought them regardless of subscription status, and they remain after a subscription ends. "Continue to use" means while the Service is provided; if the Service ends, we will give notice in advance.
  3. While subscribed to Premium, you can use all designs except limited editions, including ones you have not bought, and ad removal. Designs marked as limited edition must be bought separately from the subscription. When the subscription ends, only the products you bought remain available.
  4. One-time purchases apply only to the account that bought them and not to other participants of a shared ledger. You can restore purchases with the same app-store account.
  5. You can try a design briefly before buying; trying a design does not count as buying it.

Article 5-3 (Launch free period)

  1. The Service may run a free period to celebrate its launch. During it, all features, including those that will later require a Premium subscription or one-time purchase, are free and no payment is taken. Ads in the mobile app may still be shown during the free period.
  2. During the free period features may change or contain errors, and some features may be added, changed or stopped to improve stability.
  3. The Service will announce the end of the free period and the start of paid features at least 30 days in advance, in the app and on the website.
  4. Users who have an account when the free period ends may keep using the same features as Premium for one month from the end date; after that, Articles 5 and 5-2 apply.

Article 6 (Withdrawal and refunds)

  1. Under the Korean Act on Consumer Protection in Electronic Commerce, users may withdraw within 7 days of payment. If Premium features or a one-time purchase have already been used, withdrawal may be limited for the part used. Mandatory consumer-protection rights under the law of your country of residence are not affected.
  2. Refunds follow the refund procedure of the app store where you paid (App Store or Google Play), and the Service helps with refunds where needed.
  3. If you could not use Premium because of the Service's fault, we will refund the amount for the period you could not use it or extend your period of use.

Article 7 (Sharing a ledger)

  1. Premium users can invite other users to their ledger with an invite code. One subscription allows up to 5 people, including the owner, across all ledgers.
  2. A user who joins by invitation can view, enter and edit records in that ledger and uses Premium features through the owner's subscription.
  3. Records in a shared ledger are visible to every user who joined. Share the invite code only with people you trust.
  4. When the owner's subscription ends, shared ledgers and extra ledgers become view-only for everyone, and existing records can still be viewed. The owner's basic ledger remains usable by the owner.
  5. The owner can remove members or delete the ledger at any time, and members can leave at any time. Deleting a ledger deletes all its records.
  6. A travel ledger is created with start and end dates and can be shared by up to 10 people including the owner; this count is separate from the limit of 5 above. A user who joined by invitation can enter and edit records until 7 days after the end date, and after that the ledger is view-only for them. The owner can extend the period to allow entry again, and the owner can always keep entering.
  7. The owner can archive ledgers. An archived ledger is view-only, does not count toward the ledger limit, and up to 10 ledgers can be archived. When unarchiving, the ledger limit is checked again.

Article 8 (User obligations)

Users must not:

  1. steal another person's information or use another user's account without permission;
  2. use the Service in an abnormal way, overload the system, or bypass its security measures;
  3. try to access another person's ledger without permission, for example using invite codes;
  4. do anything prohibited by law or by these Terms.

Article 9 (Managing ledger records)

  1. The rights and responsibility for ledger records belong to the user who entered them.
  2. The Service works to store ledger records safely, but users should also manage important records themselves.
  3. Ledger records organize and display the information users enter and may differ from actual balances or payment amounts at financial institutions. The Service does not provide financial, investment or tax advice.

Article 10 (Interruption of the Service)

The Service may temporarily stop in unavoidable cases such as equipment inspection or replacement, natural disasters, power outages or communication failures, and will give notice in advance where possible.

Article 11 (Termination and restriction)

  1. Users can terminate the agreement at any time with Delete account in the app; the account and ledger records are deleted immediately.
  2. The Service may restrict use or terminate the agreement if a user violates Article 8.

Article 12 (Limitation of liability)

  1. The Service is not liable for features provided free of charge, except as required by law.
  2. The Service is not liable for service problems caused by the user or for the accuracy of information the user enters.
  3. If a user suffers loss because of the Service's intentional act or gross negligence, the Service will compensate as the law requires.

Article 13 (Dispute resolution and governing law)

Inquiries and complaints about the Service are received at [email protected], and the Service handles them promptly. These Terms are governed by the laws of the Republic of Korea, and disputes are brought to the competent court under the Korean Civil Procedure Act. However, consumer rights that mandatory law of the country where you live gives you are not limited by these Terms.

These Terms take effect on November 17, 2026.