CashDost جیب کھاتا Privacy Policy

Effective Date: 23 May 2025

CashDost جیب کھاتا, we understand the importance of managing your financial records with confidence and security. Our application serves as a dedicated digital ledger, allowing you to accurately record your transactions without involving any direct monetary processing. Protecting your privacy and ensuring the robust security of your personal information is a cornerstone of our commitment to you.

Please read this Privacy Policy carefully. If you do not agree with the terms of this privacy policy, please do not access or use the Application.

Collecting and Using Your Personal Data:

1. Information We Collect

To provide and improve our Application and services, CashDost جیب کھاتا collects and processes the following types of information:

1. Personal Data You Provide:

   1. Account Information: When you register for an account, we may collect personal identifiers such as your name, a primary phone number (which may be used for account recovery), and email address, if you choose to provide them. You will also create a password to secure your account.

   2. Password Recovery Information: If you forget your password and initiate the account recovery process, we will collect your registered phone number to send a One-Time Password (OTP) via SMS through Firebase Phone Authentication. This phone number must match the one associated with your account.

   3. Financial Data (User-Entered): Details of financial transactions that you manually enter into the Application. This includes, but is not limited to, transaction amounts, dates, descriptions, and party names.

   4. Invoice Generation Data: Information required for generating invoices, such as bank name, International Bank Account Number (IBAN), and SWIFT/BIC code, which you provide for this specific purpose.•b. Information Collected Automatically:

2. Device and Usage Information: 

   1. We may collect basic technical information about your device, including device model, operating system version, unique device identifiers (where applicable and permitted), IP address, and app usage statistics (e.g., features used, session duration). This data is primarily used for analytical purposes to enhance application performance, stability, and user experience.

   2. Advertising-Related Data: To support the free version of our Application, we integrate with third-party advertising partners. These partners may collect information using cookies, advertising IDs (like Google Advertising ID or Apple IDFA), and other tracking technologies to deliver personalized advertisements. This data may include, but is not limited to, information about your device, your interaction with ads, and potentially your inferred interests. Please refer to the privacy policies of our advertising partners for more details on their data collection practices.

   3. Firebase Phone Authentication Related Data (for Password Recovery): When you use the OTP-based password recovery feature, Firebase (a Google service) processes your registered phone number to send you an SMS with a verification code. Firebase may also collect certain device information and usage data related to this specific authentication event to provide, maintain, and improve its services, and to prevent fraud and abuse. For more details, please refer to Firebase's Privacy Policy and Google's Privacy Policy.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Service Provision: To create and maintain your digital ledger securely, enabling you to record and manage your financial transactions.

• Account Management and Security: To manage your user account, including facilitating password recovery through OTP verification sent to your registered phone number via Firebase Phone Authentication if you forget your password.

• Service Improvement: To understand how users interact with our Application, allowing us to enhance user experience, develop new features, and improve overall app performance and stability.

• Customer Support: To respond to your inquiries, provide assistance, and resolve any issues you may encounter while using the Application.

• Invoice Generation: To facilitate the creation of invoices based on the financial data you provide for this purpose.

• Advertising: To display advertisements within the Application, which helps us offer the service free of charge. This includes personalizing ads where applicable, based on data collected by our advertising partners.

• Legal Compliance and Security: To comply with applicable legal obligations, enforce our terms, and protect the security and integrity of our Application and users.

3. Data Security

We are committed to protecting your information. We implement and maintain reasonable administrative, technical, and physical security measures designed to protect your data from unauthorized access, disclosure, alteration, misuse, or loss. These measures include, but are not limited to, data encryption (both in transit and at rest where appropriate) and user authentication processes. However, please be aware that no security measures are perfect or impenetrable, and we cannot guarantee the absolute security of your information.

4. Data Sharing and Disclosure

CashDost جیب کھاتا values your privacy and handles your personal data with care.

• No Sale of Personal Data: We do not sell your Personal Data to third parties.

• Third-Party Service Providers:

  • • • • • Firebase (Google): We use Firebase Phone Authentication, a service provided by Google, specifically to facilitate password recovery by sending an OTP to your registered phone number. When you use this service, your phone number and related authentication data for this specific event are processed by Google in accordance with Google's Privacy Policy. We may also use other Firebase services (e.g., for secure data backups/cloud storage).

          • Cloud Storage: We may utilize reputable third-party cloud storage services (e.g., Google Firebase or similar providers) for secure data backup and synchronization. These providers are obligated to maintain the confidentiality and security of your data.

          • Advertising Partners: We collaborate with third-party advertising networks (e.g., Google AdMob, Meta Audience Network, or similar) to display advertisements in our Application. These partners may collect and use information as described in Section 1(b) and in accordance with their own privacy policies. We recommend you review their policies to understand their data practices.

• Legal Requirements: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to: (a) comply with a legal obligation; (b) protect and defend our rights or property; (c) prevent or investigate possible wrongdoing in connection with the Application; (d) protect the personal safety of users of the Application or the public; or (e) protect against legal liability.

5. Your Data Rights and Choices

You have certain rights regarding your personal information, subject to local data protection laws. These may include the right to:

• 1. Access Your Data: You can typically access and review much of your personal and financial data directly within the Application's settings or profile sections.

2. Rectify Your Data: You have the right to correct any inaccurate or incomplete personal data we hold about you, which can often be done through the Application settings. This includes ensuring your registered phone number for account recovery is up to date.

3. Delete Your Data: You can request the deletion of your account and associated personal data. Some data may be retained for a limited period if required for legal or legitimate business purposes (e.g., resolving disputes, enforcing agreements). You can typically initiate data deletion requests through the app settings or by contacting our support team.

4. Object to or Restrict Processing (in certain circumstances): Depending on your jurisdiction, you may have the right to object to or request restrictions on certain processing of your personal data.

5. Data Portability (in certain circumstances): You may have the right to receive your personal data in a structured, commonly used, and machine-readable format.

6. Opt-out of Personalized Advertising: You can usually opt-out of personalized advertising through your device settings (e.g., "Limit Ad Tracking" on iOS or "Opt out of Ads Personalization" on Android). 

Doing so will not stop you from seeing ads, but they may be less relevant to you.To exercise any of these rights, please contact us using the details provided in the "Contact Us" section below. We will respond to your request in accordance with applicable law.

6. Application Permissions

To provide its full range of features and ensure a seamless user experience, CashDost جیب کھاتا may request the following permissions on your device:

• Contacts (android.permission.READ_CONTACTS): This permission is requested solely to allow you to easily select and add names of individuals or entities as parties to your financial transactions directly from your device's contact list. We do not store your entire contact list on our servers.

• Camera (android.permission.CAMERA): This permission is requested to enable you to capture images (e.g., receipts, documents) or scan relevant information directly within the Application for attachment to your transaction records.

• Storage (android.permission.READ_EXTERNAL_STORAGE, android.permission.WRITE_EXTERNAL_STORAGE): These permissions are requested to allow the Application to create and store backup files of your ledger data on your device or external storage, and to enable you to export your data.

• Internet (android.permission.INTERNET): Required for general app functionality, data synchronization (if applicable), displaying advertisements, communicating with our servers, and facilitating OTP delivery for password recovery via Firebase.

We only access and use data obtained through these permissions for the specific purposes described. You can typically manage these permissions through your device's settings menu. Please note that disabling certain permissions may affect the functionality of the Application.

7. Children’s Privacy

CashDost جیب کھاتا is not intended for use by individuals under the age of 13 (or a higher age threshold if stipulated by local law). We do not knowingly collect personally identifiable information from children under this age. If we become aware that we have inadvertently collected Personal Data from a child under the specified age without verification of parental consent, we will take steps to delete that information from our servers. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy within the Application and updating the "Effective Date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted. Your continued use of the Application after the posting of changes constitutes your acceptance of such changes.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: Email: inquiry@mktechsol.com Address: Al-Nawaz Arcade, Adjacent to Rawalpindi Urology Hospital, Murree Road Rawalpindi