Transaction Disclosures

2. Service Description

Merit Ledger is a digital recording and self-management service for individual users. It helps you record daily behavior, reflect on yourself, view statistics, and build lasting habits through consistent use.

Services include, but are not limited to:

• Daily recording of merits and demerits
• Statistics and visualizations
• Personal growth records and management
• Membership subscription (where applicable)
• Other digital features related to self-management and self-improvement

Actual service content is as shown on this website, in the app, or on purchase, subscription, or related pages.

The service may be in test, preparation, or phased rollout. Final offerings will be as announced at launch.

3. Price

Prices are set by plan, subscription period, feature set, or service scope.

Exact prices are as shown on this website and in the app (purchase, subscription, checkout, or related pages).

If purchase is not yet available, prices will be published when it launches.

4. Additional Required Costs

Besides the service price, you may bear:

• Network / connectivity fees
• Data usage
• Device-related costs
• Costs for downloading, installing, or using the app
• Bank transfer, card, or third-party payment fees (where applicable)

Any other user-borne costs will be stated on the relevant pages.

5. Payment Methods

The service supports or will support one or more of:

• Credit card
• Debit card
• Third-party payment (e.g. Stripe)
• Google Play in-app purchase (where applicable)
• Apple App Store in-app purchase (where applicable)
• Other methods supported at the time

Actual payment methods are as shown at the time of purchase.

6. Timing of Payment

For paid services, payment is due as indicated on the purchase, subscription, or checkout page.

Generally:

• One-time purchase: payment at confirmation of purchase
• Subscription: first payment when you subscribe; subsequent charges per billing cycle (where applicable)

Exact timing is as stated on the relevant pages.

7. When Service Is Provided

Online digital content, membership benefits, or feature access are provided after you complete registration, purchase, subscription, or payment and the system confirms it.

If delivery is delayed due to maintenance, network issues, third-party processing, store review, force majeure, or other valid reasons, we will provide the service as soon as practicable after the cause is resolved.

If the service is not yet launched, it will be provided after official launch.

8. Refunds, Cancellation, and Changes

This is a digital online service. Unless the law or we explicitly provide otherwise, we generally do not offer refunds for personal reasons after purchase, subscription, or payment.

We may handle the following as appropriate:

• System failure preventing use of purchased service
• Duplicate or erroneous charges
• Our failure to provide what was agreed
• Other cases where the law requires a refund

If you purchased via Apple App Store, Google Play, or another platform, refunds, cancellation, and renewal are subject to that platform’s rules; please use that platform’s process.

For subscriptions, you can cancel renewal in the platform or in our management page. Unless required by law or otherwise stated, fees for the current period already in effect are generally not refunded on a pro-rata basis.

9. Returns and Exchanges

This service is online digital content and features; physical product return or exchange rules do not apply.

If the service has a material defect, cannot be provided normally, or the law requires action, we may take one or more of:

• Fix the issue
• Re-provide benefits
• Extend the service period
• Offer a reasonable alternative
• Refund

We will decide the approach reasonably based on the situation.

10. Use Environment

You need your own device, OS, browser, app version, and network that meet the requirements to use the service.

If you cannot use the service due to device, network, OS, browser, store, or third-party limits, please confirm that your environment meets the requirements.

11. Eligibility and Restrictions

The service is offered to general or registered users.

You must comply with our user agreement, privacy policy, and other rules. We may restrict, suspend, or terminate service if you violate laws, platform rules, or our terms.

12. Special Notes

The service may be in test, pre-release, or phased rollout.

Information on this page may be updated when:

• Service content changes
• Features or plans change
• Pricing changes
• Law requires it
• Payment methods are updated
• Operator information changes
• Other reasonable business or compliance needs

We will update this or related pages when changes occur.

13. Contact

For questions about the service, purchase, payment, refunds, cancellation, or other transaction matters, contact us at:

• Email: contact@meritledger.org
• Phone: Disclosed without delay upon request
• Address: Disclosed without delay upon request

14. Page Update Date

Last updated: March 10, 2026