Privacy Policy - ChitBook

ChitBook ("we", "our", or "us") respects your privacy and is committed to protecting it. This Privacy Policy explains how we collect, use, and safeguard your information when you use the ChitBook mobile application.

1. Information We Collect

We may collect the following information:

• Personal Information: Name (optional), Phone number for login, account management, and communication.
• Usage Data: Information about how the app is accessed and used, including device identifiers and app usage data to improve user experience.
• User-Generated Content: Ledger data, group names, and member details you input into the app for tracking purposes.

Sensitive Data: We do not collect sensitive personal data such as Aadhaar numbers, PAN, bank account details, or card information. ChitBook is a tracking and management tool only; any amounts or ledgers entered are purely for your personal tracking.

2. How We Use Your Information

We use your information to:

• Create and manage your account.
• Enable chit group management and tracking features.
• Send reminders, notifications, and updates.
• Provide customer support and address technical issues.
• Improve app performance, reliability, and user experience.
• Sync your data across devices (if cloud backup is enabled).

3. Data Storage & Security

• All data is securely stored using industry-standard security practices.
• Data is encrypted in transit and at rest where applicable.
• We use trusted third-party services such as Expo to operate the app and Google Analytics for performance monitoring.

4. Data Sharing

We do not sell, rent, or trade your personal data to third parties.

We may share limited data only when required:

• To comply with legal obligations or government requests.
• To protect user safety, prevent fraud, or address security issues.
• With service providers (like Razorpay for processing premium subscriptions) who are contractually obligated to protect your data.

5. User Rights

You have the right to:

• Request access to the personal data we hold about you.
• Request deletion of your account and all associated data.
• Update or correct your personal information at any time.

To exercise these rights, please contact us at: [email protected]

6. Children’s Privacy

ChitBook is intended for users 18 years and above. We do not knowingly collect data from children. If we become aware that a child under 18 has provided us with personal data, we will take steps to delete such information.

7. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

8. Account & Data Deletion

Users can request deletion of their account and all associated data at any time. You can do this directly within the app settings or by contacting us at: [email protected]. We will process deletion requests within a reasonable timeframe in accordance with applicable laws.