Paisa Track Privacy Policy
🌟 Our Core Privacy Commitment
At Paisa Track, your privacy and financial security are our highest priority. We never sell, monetize, or trade your personal or financial data to advertisers, data brokers, or any third parties. All financial transactions are strictly private to you.
1. Introduction
This Privacy Policy explains how Paisa Track ("we", "our", or "us") collects, uses, handles, and discloses your information when you use our mobile application and related services. By using Paisa Track, you consent to the data practices described in this statement.
2. Device Permissions & How We Use Them
To provide seamless, automated expense tracking, Paisa Track requests specific Android permissions. Each permission is strictly tied to user-facing utility:
| Permission | Purpose & Scope |
|---|---|
RECEIVE_SMSREAD_SMS |
Transactional SMS Auto-Capture: Automatically detects bank and UPI debit/credit alerts to log expenses without manual data entry.
Strict Safety Guarantee: Personal SMS messages, personal chat conversations, contacts, and OTPs (One-Time Passwords) are never read, recorded, or transmitted. |
RECORD_AUDIO |
Voice Expense Entry: Used only when you tap the microphone button to transcribe spoken expenses (e.g., "Coffee 150 rupees"). Audio is processed solely for immediate speech-to-text extraction and is never permanently stored. |
CAMERA |
Receipt & Bill Scanning: Captures physical paper bills and receipts so the built-in scanner can extract amounts and dates. |
POST_NOTIFICATIONS |
Reminders & Daily Summaries: Sends alerts for due bills, subscription renewals, and daily spending summaries. |
USE_BIOMETRIC |
App Security: Unlocks your app locally using your fingerprint or 4-digit PIN lock. |
3. Information We Collect Directly
We collect only the information necessary to provide you with financial tracking services:
- Account Details: Your mobile phone number (for OTP authentication) or name and email address (if using Google Sign-In).
- Transaction & Budget Logs: Expense amounts, merchant names, categories, transaction dates, and custom budget limits set by you.
- Split Bills: Expense split details and friend labels you create when sharing calculations via WhatsApp.
4. Data Storage & Security
We protect your personal and financial data using industry-leading technical measures:
- Encryption in Transit: All communication between the Paisa Track mobile application and our servers is secured using Transport Layer Security (TLS 1.3).
- Encrypted Database Storage: All user records are stored in protected, access-controlled databases with strict network isolation.
- In-App 4-Digit Security PIN: An optional 4-digit security PIN lock screen prevents anyone from viewing your financial information if they access your unlocked phone.
- Local Device Sandboxing: Offline cached data is preserved in private, sandboxed local application storage.
5. Third-Party Sharing & Advertisers
We DO NOT sell, rent, or distribute personal or financial information to third parties.
We only use essential infrastructure providers required for app functionality:
- Fast2SMS: SMS gateway used strictly to dispatch login OTPs to your registered phone number.
- Google Sign-In: Secure authentication provider if you opt to sign in with your Google account.
- Cloud Hosting: Secure cloud server instances hosting the backend API.
6. Data Retention & Account Deletion
You maintain full ownership of your data. You may request the export or complete deletion of your account and records at any time:
How to request complete data deletion:
1. Open Paisa Track → Settings → Profile → Delete Account.
2. Or send an email to support.info@paisa-track.in with the subject Account Deletion Request.
All associated database records, transaction logs, and profile data will be permanently wiped within 48 hours.
7. Children's Privacy
Paisa Track is intended for general audiences and is not directed at children under the age of 13 (or under 18 where applicable). We do not knowingly collect personal information from minors.
8. Contact Information & Grievance Redressal
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your financial data under the Digital Personal Data Protection Act (DPDP Act, 2023) and Information Technology Act, 2000, please contact our compliance desk:
Operating Business Entity: Aarvix Technologies (Brand: Paisa Track)
Legal Proprietor: Latha (Proprietorship)
Principal Place of Business: Flat No. 104, Renukha, 1st Main, 5th Cross, Rajendra Layout, Yelenahalli, Bengaluru Urban, Karnataka - 560068
Customer Support Email: support.info@paisa-track.in
Grievance Redressal Officer: Grievance Redressal Officer (support.info@paisa-track.in)