Is my Ledger visible to other lenders?
No. Your Ledger is private to your account. Only Warden reports you deliberately file are shared with the network.
Where does Signals data come from?
Public lending-community activity (bot-tracked subreddits, historical archives, and lender-submitted reports) reconstructed into one history per handle.
A borrower says their unpaid flag is wrong. What now?
A flag is a lender's deliberate declaration, and a lender can be wrong. Ask the borrower for their side. Open the record's Suggest an update control and send what is wrong. Follow the review in Your submissions. See the steps.
Do I need Pro to stay safe?
No. Your Ledger and borrower lookups are free forever, and the verdict on one person is never behind a tier. Pro adds memory and reach (a synced watchlist, its alerts, and your own loans marked on a person record), not the safety basics. (Warden is separate again: submitting to it is granted per lender by the operator, not included in either plan.)
Why does the page look different at night?
LoanLedger follows your clock. In the morning the page is a little clearer, in the evening it takes a hint of dusk violet, and after ten at night it turns a deeper midnight blue with softer whites. Text stays as readable as it is in the afternoon. To keep one look all day, open Account, then Appearance, and set Time of day to Off.
Why is there snow on the page?
From December 18 to 30, the Desk, News, Messages, Help and Account get lights under the tabs and a little snow. To turn it off, open Account, then Appearance, and set Seasonal touches to Off.