Information We Collect

a. User-Provided Information

• Personal Information: Name, age, and gender (optional).
• Account and Credit Card Details: Last four digits of account or credit card numbers, provided by the user for identification purposes.
• Currency Preference: Users can select their preferred currency.
• Transaction Details: Logs of user-provided transactions, including payment methods, amounts, categories, subcategories, and optional tags.

b. Permissions

• Camera: Used for QR code scanning to enable UPI payments.
• Contacts: Accessed only with user consent, for adding friends.
• Biometric Authentication: Optional and used for enhanced security.

c. Automatic Information

• Location Updates: Currency selection updates location to the default location for that currency (e.g., choosing INR sets location to India). No GPS or phone location features are used.

d. Age Restrictions

We do not allow users under the age of 14 to use our app.

How We Use Information

a. To Provide and Improve Services

• Manage user accounts, credit cards, and transactions.
• Facilitate budgeting and financial tracking features.
• Enable UPI payments via QR code scanning and deep links.

b. Security and Authentication

• Passwords are stored as hashed values and cannot be decrypted.
• Sensitive information, such as account and credit card details, is encrypted.
• API calls are secured with HTTPS.

c. Data Retention

• Transaction logs are stored until the account is deleted.
• User information persists until the account is deleted. Upon deletion, all associated data is removed from our servers.

Data Sharing and Transfer

• No International Data Transfer: Currently, data is limited to Indian users and is not transferred internationally.
• No Sharing with Third Parties: We do not sell, rent, or share user data with third parties, except as required by law.

Security Measures

• Encryption: All sensitive data is encrypted on our servers.
• Biometric Authentication: Available for enhanced security if enabled by the user.
• Regular Audits: Security systems are periodically reviewed and updated.

User Rights

• Access and Control: Users can access and update their information at any time.
• Data Deletion: Users can delete their accounts, which permanently removes all associated data.
• Export Data: Users may request an export of their transaction logs and account details.

Permissions and Mobile Features

• Camera: Used solely for QR scanning in UPI payments.
• Contacts: Access is only requested with explicit user permission.
• No Mic or GPS Use: The app does not utilize microphone or GPS features.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Users will be notified of any significant changes.

Contact Us

If you have any questions about this Privacy Policy or our practices, please contact us at:
Email: team@pocketpick.in