Privacy Policy

Last Updated: August 13, 2026

Paisa Wapas ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect information when you use the Paisa Wapas mobile application (the "App").

By using Paisa Wapas, you agree to the practices described in this Privacy Policy.

1. Information We Collect

Depending on how you use the App, we may collect the following information:

1.1 Account Information

When you create an account, we may collect:

• Name

• Email address

• Phone number

• Authentication information provided through supported sign-in methods

This information is used to create and manage your account and provide access to the App.

1.2 Udhaar and Khata Information

Paisa Wapas allows users to maintain personal records of money they have lent or borrowed.

You may voluntarily enter information such as:

• Customer or contact name

• Transaction amount

• Whether money is to be received or paid

• Transaction date

• Expected repayment date

• Reminder settings

• Payment/repayment records

• Notes or other information you choose to enter

This information is provided by you and is used to provide the App's khata and debt-management features.

1.3 Device and Technical Information

We may collect limited technical information necessary to operate, maintain, and secure the App, such as:

• Device type and model

• Operating system and version

• App version

• Device identifiers where required for technical or security purposes

• Crash and diagnostic information

1.4 Notification Information

If you enable reminders, the App may use notification functionality to send you reminders about upcoming or scheduled payments.

You can control notification permissions through your device settings.

1.5 WhatsApp Reminders

Paisa Wapas may provide functionality that allows you to send payment reminders through WhatsApp.

When you choose to use this feature, the App may open or interact with WhatsApp using the information you provide. Messages are sent only as a result of an action initiated by you or according to reminder functionality you have enabled.

Paisa Wapas does not control WhatsApp's privacy practices. Your use of WhatsApp is subject to WhatsApp's own terms and privacy policy.

2. How We Use Your Information

We use collected information to:

• Create and manage your account

• Store and synchronize your khata records

• Allow you to manage money you have lent or borrowed

• Schedule and deliver payment reminders

• Provide notification and alarm functionality

• Allow you to generate reports

• Provide WhatsApp reminder functionality when requested

• Maintain and improve the App

• Detect and prevent unauthorized access, abuse, or misuse

• Maintain the security and reliability of our services

• Provide customer support

• Comply with applicable legal obligations

We do not use your financial records to make financial decisions on your behalf.

3. Financial and Khata Data

Paisa Wapas is a record-keeping and reminder application.

The App does not provide banking, lending, investment, financial advisory, credit scoring, or payment-processing services.

The amounts and transaction records entered into the App are provided and controlled by you. You are responsible for ensuring that your records are accurate.

You should independently verify important financial information and maintain appropriate backups where necessary.

4. Data Storage and Security

Your account and application data may be stored using third-party infrastructure and cloud services, including Firebase services provided by Google, where applicable.

We take reasonable technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction.

However, no method of electronic storage or transmission over the Internet can be guaranteed to be completely secure.

You are also responsible for keeping your account credentials secure and for notifying us if you believe your account has been accessed without authorization.

5. Data Sharing and Disclosure

We do not sell your personal information.

We may share or disclose information only when reasonably necessary to:

• Provide and operate the App and its features

• Use trusted service providers that support our infrastructure

• Maintain security and prevent fraud or abuse

• Comply with applicable laws, regulations, legal processes, or lawful government requests

• Protect the rights, safety, and property of our users or our services

Your private khata records are not intentionally made publicly available.

6. Third-Party Services

Paisa Wapas may use third-party services to provide certain functionality, analytics, advertising, authentication, cloud storage, notifications, or other technical services.

Depending on the services enabled in the App, these may include services such as:

• Google Firebase

• Google Sign-In

• Google AdMob

• Unity Ads

• WhatsApp

These third-party services may process certain information according to their own privacy policies and terms.

We recommend reviewing the privacy policies of the third-party services you use.

7. Advertising

Paisa Wapas may display advertisements provided by third-party advertising providers.

Advertising providers may collect certain device or advertising-related information, subject to their own policies and applicable privacy requirements.

Where required, the App may request your consent for personalized advertising or provide available privacy controls.

8. Reward Points

Paisa Wapas may provide a points system that allows users to earn or use points for certain App features.

Points are virtual utility points only. They:

• Have no cash value

• Cannot be exchanged for money

• Cannot be transferred to another user

• Are not a bank balance

• Do not represent financial assets

• Cannot be withdrawn as cash

Points may be earned or deducted according to the features and rules displayed within the App.

9. Account and Data Deletion

You may request deletion of your Paisa Wapas account and associated personal information through the available account-deletion functionality in the App.

When an account is deleted, we will take reasonable steps to delete or anonymize associated information, subject to:

• Legal or regulatory requirements

• Legitimate security requirements

• Fraud prevention

• Dispute resolution

• Information that must be retained for legitimate business purposes

Some information may therefore remain for a limited period where retention is legally or operationally necessary.

10. Children's Privacy

Paisa Wapas is not intended for children under the age of 13.

We do not knowingly collect personal information from children under 13.

If you believe that a child has provided personal information through the App, please contact us so that we can take appropriate action.

11. International Data Processing

Your information may be processed or stored on servers operated by our service providers in countries other than your country of residence.

By using the App, you understand that your information may be transferred and processed in accordance with applicable laws and the policies of the relevant service providers.

12. Your Privacy Rights

Depending on your location and applicable law, you may have rights regarding your personal information, including the right to:

• Request access to your personal information

• Request correction of inaccurate information

• Request deletion of your information

• Request information about how your data is processed

• Withdraw certain permissions or consents

• Object to or restrict certain types of processing where applicable

To exercise applicable rights, contact us using the information provided below.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to the App, our services, legal requirements, or our privacy practices.

When we make changes, we will update the "Last Updated" date at the top of this Privacy Policy.

You should periodically review this page for the latest version.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact us:

Paisa Wapas

Email: liaquatalideveloper@gmail.com