smartbahikhata.com

Privacy Policy

Privacy Policy

Last Updated: October 2025

Smart Bahi Khata (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application.

1. Information We Collect

A. Personal Data

When you register or use the App, we may collect:

  • Name
  • Phone Number
  • Email Address
  • Profile Information

B. Financial Data

We store records of your transactions, including:

  • Customer Udhaar details
  • Loan amounts, interest rates, and EMI schedules
  • Payment history and bills

C. Location Data

The App requests access to your device’s location to:

  • Tag the location of customers when they are added.
  • Calculate distances for business purposes.
    You can disable location access in your device settings, though some features may become unavailable.

D. Contact Information

The App may access your contacts to help you quickly add customers or debtors to your ledger. We do not store your entire contact list on our servers; only the contacts you explicitly choose to add.

2. How We Use Your Information

We use the collected data to:

  • Provide and maintain the App’s functionality.
  • Sync your data across devices via your account.
  • Send automated or manual reminders via WhatsApp.
  • Improve our services and user experience.

3. Data Storage & Third-Party Services

  • Firebase: We use Google Firebase (Authentication and Cloud Firestore) to store your data securely. Your data is encrypted in transit and at rest.
  • WhatsApp: We use WhatsApp to send payment reminders. No data from your WhatsApp chats is collected by our App.

4. Data Sharing

We do not sell your personal or financial data to third parties. Data is only shared:

  • With Google Firebase for storage and authentication purposes.
  • If required by law to comply with legal obligations.

5. Your Rights

  • Access & Correction: You can view and edit your profile and financial records within the App.
  • Data Deletion: You can request the deletion of your account and associated data by contacting our support email.

6. Security

We implement a variety of security measures to maintain the safety of your personal information. However, no method of transmission over the internet or electronic storage is 100% secure.

7. Changes to This Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

8. Contact Us

If you have any questions about this Privacy Policy, please contact us:
Email: [Support@smartbahikhata.com]