Embedded Files
Last updated: 12 July 2026
1. Information We Collect
Nidhi collects only the information you provide directly:
Account information: your name and email address used to create your account.
Business data: member details, chit fund records, payment transactions, hand loans, and auction results that you enter into the app.
We do not collect location data, contacts, photos, usage analytics, or any other device information.
2. How We Use Your Information
Your data is used solely to provide the Nidhi service:
To store and sync your business records across your devices.
To authenticate your identity and protect your account.
To restore your data when you log in on a new device.
We do not use your data for advertising, analytics, or any other purpose.
3. Data Storage and Security
Your data is stored in two places:
On your device: in an encrypted local database, accessible only by this app.
In the cloud: in Google Firebase Firestore, stored under your unique user ID, with industry-standard encryption at rest and in transit.
Your MPIN and password are salted and hashed, stored only on your device — we cannot access them. If your device supports it, you may unlock the app using your fingerprint, handled entirely by your device's operating system; Nidhi never sees or stores fingerprint data. If the app ever crashes unexpectedly, a technical log of that crash may be saved locally on your device to help diagnose the issue — this log never leaves your device unless you choose to share it with us directly.
4. Data Sharing
We do not sell, trade, or share your personal data with any third parties. Your business data is accessible only to you — each manager's data is isolated under their unique account ID.
5. Member Passbook
Each member you add can receive a personal link to view their own chit and hand loan details, without creating an account. This link shows that member their own payments, dues, and auction history. To keep group auctions fair and transparent, the passbook may also show limited, non-sensitive group information — such as how many members have paid in a given month, or the first names of members eligible for the next auction. A member's phone number, exact payment amounts, or any other personal detail belonging to a different member is never shown to anyone other than that member and their manager. You can deactivate any member's passbook link at any time.
6. Community & Referrals
If you take part in Nidhi's optional referral program, a unique referral code is generated for your account and does not reveal personal information on its own. If you refer another manager, your name may appear on a community leaderboard visible to other managers, alongside your referral count. No financial or business data is shared as part of this feature.
7. Support Nidhi
Nidhi includes an entirely optional way to support its development through a voluntary UPI payment. Nidhi never processes, sees, or stores any payment or banking information — the payment happens entirely within your own UPI app. This feature never unlocks any part of the app.
8. Managing Your Own Data
From Settings, you can clean up outdated records, remove a chit group entirely, export a complete backup, or reset your account.
9. Data Retention
Your data remains in our systems as long as your account is active. If you delete your account, all associated data is permanently removed within 30 days. You can export a full backup anytime via Export Data in Settings.
10. Your Rights
You have the right to access your data (Export Data), delete your account and all data at any time, and update your name/email via Settings.
11. Children's Privacy
Nidhi is designed for adult business professionals. We do not knowingly collect data from anyone under 18.
12. Changes to This Policy
We may update this policy from time to time; the "Last updated" date above reflects that.
13. Contact
Questions about this policy or your data? Email us at nidhiapp.help@gmail.com.
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