Security & Privacy

1. Information We Collect

1.1 Information You Provide

• Account Information: Name, email address, mobile number
• Loan Data: Loan amounts, EMI details, bank names, tenure, interest rates (entered manually by you)
• Profile Information: Optional profile photo, display name preferences

1.2 Information Collected Automatically

• Device Information: Device type, OS version, unique device identifiers
• Usage Data: App interaction patterns, feature usage, screen views
• Log Data: Crash reports, error logs, performance metrics

2. How We Use Your Information

We use your information solely to:

• Provide and maintain the DebTrack service
• Display your consolidated loan dashboard
• Send EMI reminders and payment notifications
• Generate repayment progress reports
• Improve app performance and user experience
• Communicate important service updates
• Ensure security and prevent fraud

3. Data Storage & Security

We implement industry-standard security measures to protect your data:

• Encryption in Transit: All communications use TLS 1.3 encryption
• Encryption at Rest: Sensitive data is encrypted using AES-256
• Access Controls: Strict role-based access controls for internal systems
• Regular Audits: Periodic security assessments and vulnerability testing
• Secure Infrastructure: Hosted on trusted, enterprise-grade cloud providers

4. Data Sharing & Disclosure

We do not sell, trade, or rent your personal data. We may share information only in the following limited circumstances:

• With Your Consent: When you explicitly authorize sharing
• Service Providers: Trusted third-party services that help us operate (e.g., cloud hosting, analytics), bound by strict confidentiality agreements
• Legal Requirements: When required by law, regulation, or valid legal process
• Safety: To protect the rights, property, or safety of DebTrack, our users, or the public

5. Your Rights

You have the right to:

• Access: Request a copy of the personal data we hold about you
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and associated data
• Export: Download your loan data in a portable format
• Withdraw Consent: Revoke notification permissions at any time

To exercise any of these rights, contact us at hello@debtrack.in.

6. Data Retention

We retain your data for as long as your account is active or as needed to provide services. Upon account deletion:

• Personal data is deleted within 30 days
• Anonymized analytics data may be retained for service improvement
• Data required by law may be retained for the legally mandated period

7. Cookies & Tracking

The DebTrack mobile app does not use browser cookies. We use minimal analytics tools to understand usage patterns and improve the app experience. You can opt out of analytics through the app settings.

8. Children's Privacy

DebTrack is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. For significant changes, we will notify you through the App or via email.

10. Contact Us

For privacy-related questions, concerns, or data requests:

• Email: hello@debtrack.in
• Website: https://debtrack.in