Privacy Policy

Account and login information: phone number, OTP verification status, login token, and account-related information used for authentication, account access, security, and support.

Financial SMS information: only when the user actively uses a repayment schedule, repayment reminder, or financial SMS analysis feature and gives explicit consent, the app may access SMS messages to identify financial messages related to loan disbursement, account credit, transactions, bills, repayment due dates, overdue reminders, and collection reminders. The app filters messages locally and collects only relevant, masked summary information such as sender, category, amount, account hint, masked text, and timestamp. We do not collect or upload the user's full SMS inbox or unrelated SMS content.

Location information: with user permission, the app may collect approximate location information to support service availability, security, fraud prevention, and risk assessment.

Camera and selected image information: with user permission, the app may access the camera or a file selected by the user when a WebView feature provides a user-initiated photo or file upload. The app does not require ongoing access to the user's full photo library.

Device and app information: device model, operating system version, app version, network status, app usage information, unique app or device identifiers, crash logs, diagnostic data, and limited installed app information may be collected for security, fraud prevention, analytics, service improvement, and technical support. Installed app information is collected only when required for a specific in-app security or risk assessment feature and only through a user-triggered data collection flow where applicable.

We use the collected information to provide and operate the app's loan calculator, repayment schedule, and repayment reminder features; identify financial SMS information relevant to loan disbursement, bill due dates, repayment due dates, overdue status, and collection reminders; authenticate users; protect accounts; provide customer support; improve app performance; prevent fraud and abuse; comply with legal and policy requirements; and maintain records necessary for service operation and dispute handling.

SMS permission is requested only when the user actively starts a repayment schedule, repayment reminder, or financial SMS analysis feature. After the user's consent, SMS permission is used to identify loan disbursement, repayment, bill due, overdue, and collection-related financial messages. This helps generate repayment schedules and repayment reminders. We filter messages locally and upload only masked summaries, not full SMS content.

Location permission is requested only when a feature requires approximate location for service availability, security, fraud prevention, or risk assessment.

Camera permission is used only when the user starts a photo or file upload from a supported WebView feature.

Network permission is used to connect the app to our servers and provide online services.

Users may deny or revoke permissions through their device settings. Some features may not work properly if required permissions are disabled.

We do not sell users' personal or sensitive data. We may share information with service providers that help us operate the app, host servers, process data, provide analytics, attribution, security, customer support, or technical services; with government authorities, regulators, law enforcement, or other parties when required by applicable law or valid legal process; or in connection with a business transfer, merger, acquisition, or restructuring, with appropriate notice where required.

We use reasonable technical and organizational measures to protect user information against unauthorized access, loss, misuse, disclosure, alteration, or destruction. These measures may include encrypted transmission, data minimization, masking of sensitive SMS content, access controls, secure server infrastructure, and internal data protection procedures. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

We retain user information only for as long as necessary to provide the app's services, comply with legal obligations, resolve disputes, prevent fraud, and enforce our agreements. Users may request account deletion or deletion of personal data by contacting us at [email protected]. After receiving a valid deletion request, we will delete or anonymize the relevant information unless retention is required for legal, regulatory, security, fraud prevention, or legitimate business purposes.

The app is not intended for children under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided personal information, we will take reasonable steps to delete such information.

Depending on applicable law, users may have the right to access the personal information we hold about them, request correction of inaccurate information, request deletion of personal information, withdraw consent for certain data processing, disable permissions through device settings, and contact us about privacy-related questions or complaints.

The app may use third-party services or SDKs, including Firebase Analytics, Firebase Crashlytics, attribution services, messaging, storage, security, or other app functionality. These third-party services may process limited user or device information according to their own privacy policies and our instructions where applicable.

We may update this Privacy Policy from time to time. When we make changes, we will update the effective date above. If the changes are significant, we may provide additional notice in the app or through other appropriate channels.

If you have any questions, requests, or complaints about this Privacy Policy or our handling of user data, please contact us at [email protected].