Privacy Policy – VyajBook

Last Updated: June 2026

Welcome to VyajBook ("App", "we", "our", or "us"). Your privacy is important to us. This Privacy Policy explains how VyajBook collects, uses, stores, and protects your information when you use our mobile application.

By using VyajBook, you agree to the collection and use of information in accordance with this Privacy Policy.

1. About VyajBook

VyajBook is a loan, interest, collection, customer, and finance management application designed for individuals, money lenders, finance businesses, collection agents, and loan managers.

The app helps users:

• Manage customers and loans
• Track collections and payments
• Calculate interest and EMI
• Generate reports and analytics
• Monitor overdue accounts and NPA records
• Maintain transaction timelines and audit logs

2. Information We Collect

A. Information Provided By Users

Users may voluntarily enter:

• Customer names
• Mobile numbers
• Addresses
• Aadhaar numbers or identification details (if entered by the user)
• Loan information
• Payment and collection records
• Notes and remarks

This information is stored solely for business management purposes.

B. Device Information

The app may automatically collect:

• Device model
• Android version
• App version
• Device identifiers
• Crash reports

This information is used only for improving app performance and stability.

C. Backup Data

If the user chooses backup or restore functionality, selected business data may be stored in cloud storage services selected by the user.

3. Information We Do Not Collect

VyajBook does NOT collect:

• Banking passwords
• Debit card details
• Credit card details
• UPI PINs
• Internet banking credentials
• Biometric information

We never sell personal data to third parties.

4. Data Usage

VyajBook is designed with privacy as a core principle.

Local Storage Only

All customer records, loan information, collection data, payment history, reports, analytics, and business records entered into VyajBook are stored locally on the user's device.

VyajBook does not upload, store, transmit, or process your business data on our servers.

We do not have access to:

• Customer records
• Loan information
• Collection history
• Financial transactions
• Reports and analytics
• Business notes and documents

All information remains under the user's control on their own device.

How Data Is Used

The information entered into VyajBook is used solely to provide app functionality, including:

• Managing customers and loans
• Tracking collections and payments
• Calculating interest and EMI amounts
• Generating reports and analytics
• Monitoring overdue loans and NPA records
• Maintaining transaction timelines and audit logs

Backups

If users choose to export, backup, or restore data, such actions are initiated and controlled entirely by the user.

VyajBook does not automatically collect or store backup copies of user data on company servers.

No Server-Side Storage

VyajBook operates primarily as a local-device application. We do not maintain a central database containing user business records or financial information.

5. Data Storage and Security

We take reasonable measures to protect your information.

Security measures may include:

• Secure local storage
• Encrypted backups where applicable
• Restricted access controls
• Regular security improvements

While we strive to protect user information, no electronic storage system is completely secure.

6. Data Sharing

We do not sell, rent, or trade user information.

Information may be shared only:

• With user-authorized backup services
• To comply with legal obligations
• To protect legal rights and security
• During business transfers or mergers

7. Third-Party Services

VyajBook may use third-party services including:

• Google Play Services
• Firebase Analytics
• Firebase Crashlytics
• Google Backup Services

These services may collect information according to their own privacy policies.

8. Advertising

VyajBook currently operates as:

NO SUBSCRIPTION
NO ADS
100% FREE

If advertisements are introduced in future versions, this Privacy Policy will be updated accordingly.

9. Data Retention

User data remains stored until:

• The user deletes it
• The application is uninstalled
• Backup data is manually removed by the user

Users have full control over their business records.

10. Children's Privacy

VyajBook is not intended for children under the age of 13.

We do not knowingly collect information from children.

If we become aware that a child has provided personal information, we will take steps to delete such information.

11. User Rights

Users may:

• Access their stored data
• Update information
• Delete records
• Export reports and statements
• Remove backups

Requests regarding personal information can be submitted through our support contact.

12. Permissions Used

Depending on features enabled, VyajBook may request:

Storage Permission

Used for backup, restore, export reports, and file management.

Camera Permission

Used only if the user chooses to capture customer photos or documents.

Notification Permission

Used for payment reminders, collection alerts, and important updates.

Internet Permission

Used for backups, updates, and cloud-related services.

Permissions are used solely for app functionality.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Any changes will be posted within the application and on the Privacy Policy page.

Continued use of the application after changes constitutes acceptance of the updated policy.

14. Contact Us

If you have any questions regarding this Privacy Policy, please contact:

VyajBook Support

Email: ashupatel19791@gmail.com

App Name: VyajBook

Consent

By installing and using VyajBook, you consent to this Privacy Policy and agree to its terms.

VyajBook

Record • Calculate • Grow