🔒 Privacy Policy

This Privacy Policy applies to the Udhaar Book: Digi Khata App mobile application (hereinafter referred to as the "Application") developed by dHI APPS (hereinafter referred to as the "Service Provider") as a free service. This service is provided "AS IS".

The Application may collect certain information automatically when you download and use it, including:

• Device Internet Protocol (IP) address
• Device type and operating system
• App pages visited, date/time of visits, and time spent in the Application
• General usage and diagnostic information

The Service Provider may use collected information to improve Application performance, provide updates and important notices, and enhance user experience.

• The Application may allow users to back up or synchronize their data with their own Google Drive account.
• Data is stored directly in the user's personal Google Drive.
• The Service Provider does not permanently store user financial records on their own servers unless explicitly stated.
• Data stored in Google Drive is subject to Google's privacy and security policies.

The Application may use Firebase Crashlytics or similar crash reporting tools to collect technical information when the app crashes or encounters errors. This may include:

• Device model
• Operating system version
• App configuration
• Error logs

The Application may use third-party services that have their own privacy policies:

• The Application may offer paid subscription plans that unlock premium features.
• All payments are securely processed through the Google Play Billing system.
• The Service Provider does not collect or store users' credit card or banking details.
• Users can manage or cancel subscriptions anytime through their Google Play account settings.

The Service Provider is not responsible for any loss of data caused by:

• Device damage or loss
• Accidental deletion
• Google Drive synchronization issues
• Google account problems
• Third-party service outages
• Technical errors or software failures

Information may be shared only when:

• Required by law or legal process
• Necessary to protect rights or investigate fraud
• Shared with trusted service providers working on behalf of the Service Provider

Only aggregated or anonymized data may be used for analytics or improvements.

User data is retained only as long as necessary for app functionality. Users may request deletion of their data by contacting loanguide7@gmail.com.

The Application is not intended for children under 13. The Service Provider does not knowingly collect personal information from children under 13. If discovered, such data will be deleted immediately.

The Service Provider uses reasonable administrative, technical, and physical safeguards to protect user information from unauthorized access or disclosure.

Users may stop all information collection by uninstalling the Application using standard device uninstall methods.

This Privacy Policy may be updated periodically. Continued use of the Application after changes indicates acceptance of the updated policy.

By using the Application, you consent to the collection and use of information as described in this Privacy Policy.

Welcome to dHI APPS. We are committed to protecting your personal information and your right to privacy across all our mobile applications.