Terms

A record book, free or Pro.

Updated 31 October 2026. These terms cover the Ajo Ledger app and the Ajo Ledger Pro subscription.

Records only. Ajo Ledger never holds, moves or collects anyone's money, on the free plan or on Pro. Organisers and members settle between themselves; the app records what the group agrees.

What Ajo Ledger is

A record book for ajo, esusu and adashe groups. It keeps each group's contributions, collection order, fines and payouts on your phone. You are responsible for what you record and for how your group runs; the app is a tool for keeping the record straight, not a party to your group's agreement.

Free and Pro

The free app records everything, with up to two active groups at a time (a group is active until you close it). Ajo Ledger Pro adds:

unlimited groups on one phone;
print-ready PDF statements, round reports and cycle summaries;
your name on the cards and PDFs you share;
insights on who pays on time and how much of each pot comes in;
reminding everyone behind, one after another;
branded receipts, with your logo and payment details, on what you send.

Price and renewal

Pro is sold through Google Play, monthly or yearly, at the price shown in the app before you subscribe. It renews automatically at the end of each period until you cancel. Google Play takes the payment and may show the price in your local currency.

Free trial

Where Google Play offers it, a new subscriber gets 14 days of Pro free. If you cancel before the trial ends, you are not charged. Google Play decides who is eligible for a trial.

Cancelling and refunds

Cancel any time in the Google Play Store app under Payments & subscriptions, or from Settings → Ajo Ledger Pro → Manage subscription. Pro stays on until the end of the period you have paid for. Refunds are handled by Google Play under its refund policy.

Your records

Your records stay on your phone on either plan. If Pro ends, nothing is hidden or deleted: Pro features lock, and creating a new group follows the free limit again. Backups, restores, spreadsheet exports, shared images and single reminders stay free.

Changes

If these terms or Pro's price change, the new version will be posted here with a new date, and Google Play will tell subscribers about any price change before it applies.

Contact

Questions about these terms or your subscription: ajoledger@umoh.name.ng.