KnowFlow Ledger · Terms of Service (End User License Agreement)

Last updated: 2026-10-06 Effective: 2026-10-06

Welcome to KnowFlow Ledger (formerly “Simple Ledger”, the “App”). These Terms (the “Agreement”) are a legal agreement between you and the App’s independent developer governing your download, installation and use of the App. By downloading or using the App you confirm that you have read and agree to this Agreement. If you do not agree, do not use the App.

1. License

The App grants you a limited, non-exclusive, non-transferable, revocable license to use the App on Apple devices you own or control, in accordance with the App Store terms, for personal, non-commercial use.

The license does not include the right to:

copy, modify, decompile or reverse engineer the App;
sell, rent, lend or redistribute the App;
remove or alter any copyright, trademark or proprietary notice in the App.

2. In-app purchases and subscriptions

The App offers:

Pro lifetime unlock: a one-time payment that permanently unlocks Pro features. It is not a subscription and does not renew.
AI Booster: an optional auto-renewing monthly subscription that lets you keep using AI help after your device’s free uses run out. The price is shown in the App Store. Everything else in the App works without it.
Users who previously bought a monthly or yearly Pro subscription keep that entitlement under its original terms; those subscriptions are no longer sold.

Auto-renewal terms (AI Booster):

Payment is charged to your Apple ID account at confirmation of purchase.
The subscription renews automatically unless auto-renewal is turned off at least 24 hours before the end of the current period; renewal is charged within 24 hours before the period ends at the price then shown.
You can manage or cancel your subscription at any time in system Settings > your Apple ID > Subscriptions; after cancelling you can keep using it for the paid period.
The App offers no free trial for the subscription (if one is added later it will be shown on the purchase screen).

Refunds: All App Store in-app purchase refunds are handled by Apple; request one at reportaproblem.apple.com. The developer does not process refunds directly.

3. AI help

AI help (including the AI advisor, one-sentence entry, import recognition help, “Ask AI” interpretations, budget suggestions, bill-rule drafting, tag tidy-up and reimbursable-expense suggestions) is optional and each feature is off by default. Before first use, the App explains what is sent, what is not and where it goes, and asks for your consent.

Once you consent, the request is relayed through the developer’s own server to a third-party AI model service (DeepSeek), which processes it and returns the result; the developer’s server does not store the content of your requests or of the answers. See the Privacy Policy.
You can turn each feature off at any time in Settings > AI Help, after which nothing is sent.
Free uses and quotas: each device gets a limited number of free uses; after that you need the “AI Booster” subscription to keep using AI help. To protect the service, the developer may set reasonable daily and monthly limits and may adjust quotas.
AI output is for reference only: AI can be wrong. The App checks numbers in answers on your device and requires your confirmation before any suggestion changes your ledger, but this is not a guarantee of accuracy. Please verify before relying on it.
No misuse: do not use AI help for unlawful activity, to bypass quotas, to attack the service or for automated calls beyond reasonable use. The developer may limit or end access for violations.
AI help depends on the network and third-party services and may be interrupted by network, provider or maintenance issues; the developer does not guarantee continuous availability.

4. Your data and account deletion

You own all data you enter or import into the App.
You can export or delete data any time in Settings > Data Management.
You can fully remove the App’s local data (including AI conversations, summaries and memory, AI caches and consents) in Settings > Delete Account, which also triggers cleanup of the App’s data in your iCloud private database. This cannot be undone; export what you need first.
Deleting your account does not automatically cancel your Apple subscription; if you still hold one, cancel it in system Settings too, or it will keep renewing.

5. Disclaimers

Statistics, budgets, AI suggestions and similar features are for your personal reference only and are not investment, tax, legal or financial advice.
The App is provided “as is”, without any guarantee that it is error-free, uninterrupted or meets all your expectations.
To the fullest extent permitted by law, the App is not liable for any direct, indirect, incidental, special or consequential loss arising from use of, or inability to use, the App.

6. Intellectual property

The App and all of its source code, design, icons and text are protected by copyright and other intellectual property laws. You are not granted ownership of any of these. “KnowFlow Ledger” as the App’s name is reserved by the developer.

7. Termination

If you breach this Agreement, the developer may terminate your license immediately. You can end this Agreement at any time by uninstalling the App. Section 4 on data deletion survives termination.

8. Governing law

This Agreement is governed by the laws of mainland China (excluding Hong Kong, Macao and Taiwan). If you use the App outside mainland China, it is also subject to the mandatory laws of your jurisdiction (such as GDPR and CCPA).

This Agreement is between you and the developer only; Apple Inc. (“Apple”) is not a party to it. The developer, not Apple, is responsible for the App and its content.
Apple has no obligation to provide any maintenance or support for the App.
If the App fails to conform to an applicable warranty, you may notify Apple and Apple will refund the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation regarding the App.
The developer, not Apple, is responsible for addressing any claims by you or a third party relating to the App, including product liability, failure to conform to legal requirements, consumer protection and intellectual property infringement claims.
You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated a “terrorist supporting” country, and are not on any U.S. Government list of prohibited or restricted parties.
You must comply with applicable third-party terms (for example your network and device service agreements) when using the App.
Apple and its subsidiaries are third-party beneficiaries of this Agreement, and upon your acceptance Apple will have the right (and will be deemed to have accepted the right) to enforce it against you.

10. Changes

We may update this Agreement. Material changes will be announced in the App or with an update. Continuing to use the App after a change takes effect means you accept it.

11. Contact

For questions, use Settings > About > Contact Support in the App, or email support@simple-ledger.app.

The English translation is for reference; in case of ambiguity, the Simplified Chinese version prevails.