Effective Date: November 2, 2026
Welcome to Kharchi (“we”, “our”, or “us”). We are committed to protecting your personal data and respecting your privacy. This Privacy Policy explains how your information is collected, used, and safeguarded when you use our mobile application (the “App”).
1. Local Storage First
Kharchi operates on a local-first architecture. All your financial entries, transaction notes, account balances, udhaar records, and category details are stored strictly on your device using encrypted local databases. We do not transmit or store your personal financial transactions on any external server.
2. Data Collection and Usage
We collect minimal information necessary to provide and improve our services:
- Account Information: If you sign in using Google Sign-In, we receive basic profile information such as your name, email address, and profile picture URL. This is used solely for personalized app display and Google Drive backup identity verification.
- Device & Usage Information: Anonymous diagnostic information and crash reports may be collected by Google Play Services to ensure app stability.
3. Google Drive Backup & Restore
Kharchi provides an optional Cloud Backup & Restore feature using Google Drive AppData Folder. When enabled, encrypted backup files are stored exclusively in your personal Google Drive account. We do not have access to your Google Drive files or your master PIN.
4. Third-Party Services
The App integrates third-party services that may process information under their respective privacy policies:
- Google Play Services & Google Sign-In: For user authentication and app updates.
- Google AdMob: To display non-intrusive advertisements. AdMob may use device identifiers to serve contextual ads.
- Google Play Billing: To process optional in-app purchases (such as removing advertisements). Payment processing is handled entirely by Google Play.
5. Biometric Data & PIN Protection
If you enable Fingerprint / Biometric Lock or App PIN, the biometric authentication is handled entirely by the Android operating system hardware keystore. Kharchi does not capture, store, or transmit your biometric identifiers or raw fingerprint data.
6. Permissions Requested
The App may request the following permissions during normal operation:
- Camera / Photo Library: Optional permission to attach bill images or receipts to expense entries.
- Biometric / Fingerprint: Optional permission for app unlock security.
- Internet Access: Required for Google Sign-In, Google Drive backup, AdMob ads, and Google Billing.
7. Data Security
We implement industry-standard security measures including local encryption, secure preferences, and Android Keystore protection to prevent unauthorized access to your local data.
8. Children’s Privacy
Kharchi is not directed at children under the age of 13. We do not knowingly collect personal identifiable information from children.
9. Changes to This Privacy Policy
We may update our Privacy Policy periodically. Any changes will be published on this page with an updated effective date.
10. Contact Us
If you have any questions, feedback, or concerns regarding this Privacy Policy, please contact us at:
Email: contact@viratbharat.com