Privacy Policy

Privacy Policy for Bolt Pay

Last updated: August 2026

1. Introduction

Bolt Pay ("we", "our", or "us") is dedicated to protecting your privacy. This Privacy Policy explains how our mobile application handles user information and device permissions. Bolt Pay is an instant UPI intent launcher and QR utility designed to help users quickly trigger payments through installed UPI payment applications (such as Google Pay, PhonePe, Paytm, etc.).

2. Information Collection and Use

Bolt Pay operates on a "privacy-first" and "on-device-only" architecture:

- We do NOT collect, store, or sell any personal data.

- We do NOT transmit your contacts, audio recordings, camera feeds, or financial data to any external servers or third parties.

- We do NOT require an account or registration to use the app.

3. Device Permissions and Why We Request Them

To provide its core functionality, Bolt Pay requests the following permissions:

a. Camera Permission (android.permission.CAMERA)

- Purpose: Used solely for real-time scanning and recognition of UPI QR codes.

- Data Handling: Camera frames are processed locally on your device via Google ML Kit. No photos or video recordings are saved, stored, or sent over the internet.

b. Microphone Permission (android.permission.RECORD_AUDIO)

- Purpose: Used solely when you actively trigger the "Voice Pay" feature or Quick Settings tile to interpret your spoken payment requests (e.g., "Pay 100 to Dad").

- Data Handling: Voice input is converted to text on your device using Android's native Speech Recognition service. Audio is never recorded, uploaded, or stored on any remote server.

c. Contacts Permission (android.permission.READ_CONTACTS)

- Purpose: Used only to match the recipient's name from your voice command to a phone number or contact in your device's address book.

- Data Handling: Contact searches happen entirely locally in memory on your device. We never copy, upload, sync, or transmit your contact list.

d. Wake Lock Permission (android.permission.WAKE_LOCK)

- Purpose: Used temporarily to keep the screen active during camera scanning and voice processing.

4. Financial and Payment Information

Bolt Pay does NOT process monetary transactions directly, nor does it collect, store, or process:

- Bank account details

- Credit/Debit card numbers

- UPI PINs or passwords

- Transaction histories

When a valid UPI QR code or contact is selected, Bolt Pay creates a standard Android UPI intent and securely hands off the transaction to your chosen official UPI app (such as Google Pay, PhonePe, Paytm, or BHIM) where authentication and payment are completed.

5. Third-Party Services

Our application uses on-device Google Play Services (Google ML Kit Vision) for barcode scanning. Google services are subject to Google's Privacy Policy: https://policies.google.com/privacy

6. Data Security

Because all processing (voice recognition, QR code detection, contact lookup) happens locally on your Android device and no personal data is transferred across the network, your sensitive information remains secure on your hardware.

7. Children’s Privacy

Bolt Pay is not intended for use by children under the age of 13. We do not knowingly collect personal identifiable information from children.

8. Advertising and Monetisation

The Application uses Google AdMob for ad monetization. We do not use any other third-party advertising networks, SDKs, or in-app purchases. Consequently, advertising identifiers or tracking cookies related to this ad network may be collected from your device.

9. Changes to This Privacy Policy

We may update our Privacy Policy periodically. Any changes will be posted on this page with an updated revision date.

10. Contact Us

If you have any questions or suggestions regarding this Privacy Policy, please contact us at:

Email: [dhanikak15@gmail.com]

Developer / Owner: Dhanika K