Effective Date: August 2026
Welcome to FlexiCredit
BharatCash is an educational and informational financial application designed to help users understand common financial topics and perform basic financial calculations. The app provides information and tools related to loans, EMI, interest calculations, and other general financial concepts.
We respect your privacy and are committed to keeping your information safe. This Privacy Policy explains how BharatCash handles information when you use our application.
FlexiCredit currently does not collect or store personal information from users.
The application does not require users to create an account or provide personal details to use its core features.
We do not intentionally collect information such as:
Name
Phone number
Email address
Home address
Bank account details
Credit or debit card details
UPI credentials or PIN
Banking passwords
OTPs
Loan application information
Contacts
Photos or videos
Precise location
Call logs or SMS data
BharatCash is designed to provide its educational content and calculator features without requiring users to submit personal or sensitive financial information.
BharatCash provides tools such as EMI and interest calculators to help users understand estimated loan payments and related calculations.
Users may enter numerical information such as:
Loan amount
Interest rate
Loan tenure
Other values required for calculations
These values are used to perform the requested calculation and display the result.
BharatCash does not use these calculator inputs to create or maintain a personal financial profile.
BharatCash does not currently require users to register or create an account to access its main features.
Because there is currently no user account system, BharatCash does not maintain account profiles containing users' personal information.
If account-based features are introduced in the future, this Privacy Policy will be updated to explain what information may be collected and how users can manage or delete their information.
BharatCash does not currently collect personal or sensitive user information and therefore does not sell, rent, or share such information with third parties for advertising or marketing purposes.
We do not sell users' personal information.
Any future change to the application's data practices will be reflected in an updated Privacy Policy and applicable Google Play disclosures.
BharatCash currently does not display advertisements.
There are no third-party banner ads, interstitial ads, sponsored advertisements, or other advertising placements in the current version of the application.
As the application grows, we may consider introducing advertising in the future to support development and maintenance of the application.
If advertising is introduced, we will review and update our privacy practices and the relevant Google Play disclosures as required before or when such functionality is implemented.
The current version of BharatCash is designed without requiring third-party advertising services or analytics services to provide its core functionality.
If third-party services are added in the future, we will evaluate what information those services access or process and update this Privacy Policy and relevant Google Play disclosures accordingly.
BharatCash does not require access to sensitive device information for its core educational and calculator functionality.
We aim to request only permissions that are genuinely necessary for the application.
If the application's permissions or functionality change in the future, the relevant disclosures will be updated accordingly.
Since BharatCash currently does not collect or store personal or sensitive user information, there is no personal user database maintained by the application for these purposes.
We nevertheless take reasonable measures to maintain the security and integrity of the application.
No electronic system or software can guarantee absolute security, so users should also keep their devices and operating systems reasonably protected.
BharatCash is not specifically directed toward children under the age of 13.
We do not knowingly collect personal information from children under 13.
Because BharatCash currently does not require users to submit personal information, the application does not intentionally create user profiles for children or other users.
BharatCash is an educational and informational application.
BharatCash is not:
A bank
An NBFC
A lender
A financial institution
A loan provider
A loan approval service
BharatCash does not provide, approve, disburse, or process loans.
The application does not process banking transactions or handle users' money.
Information and calculations available through BharatCash are intended for general educational purposes. Actual loan rates, eligibility requirements, fees, repayment conditions, and other financial terms may differ between financial institutions.
Users should verify important financial information directly with the relevant bank, NBFC, lender, financial institution, or official government source before making financial decisions.
We may update this Privacy Policy when there are changes to BharatCash, its features, applicable laws, technology, or the way information is handled.
If our data practices change—for example, if we introduce advertising, analytics, accounts, or other services that involve user information—we will update this Privacy Policy and applicable Google Play disclosures accordingly.
The latest version of this Privacy Policy will include the applicable Effective Date or Last Updated date.
BharatCash currently does not collect or maintain personal user information or user accounts.
As a result, there is currently no personal user data retained by BharatCash that users need to request for deletion.
Calculator values entered for performing calculations are not intended to be maintained as permanent personal financial records.
If BharatCash introduces features that involve storing personal information in the future, appropriate retention and deletion practices will be established and described in an updated Privacy Policy.