1. Introduction
DebtZero ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application.
2. Information We Collect
We collect information that you provide directly to us:
- Account information (name, email address, phone number)
- Financial data (income, expenses, debts, investments)
- Transaction information
- Payment and billing information (processed securely through Razorpay)
- Usage data and analytics
3. How We Use Your Information
We use your information to:
- Provide and maintain our services
- Generate personalized AI recommendations
- Process your subscription payments
- Send important notifications and updates
- Improve our app and develop new features
- Comply with legal obligations
4. Data Security
We implement industry-standard security measures including:
- Bank-level encryption (AES-256)
- Secure data transmission (TLS/SSL)
- Regular security audits
- Access controls and authentication
- Secure cloud storage with backup
5. Data Sharing
We do NOT sell, rent, or share your personal financial data with third parties for marketing purposes. We may share limited information with:
- Payment processors (Razorpay) for subscription processing
- Cloud service providers (for secure data storage)
- Legal authorities when required by law
6. Your Rights
You have the right to:
- Access your personal data
- Correct inaccurate information
- Delete your account and data
- Export your data
- Opt-out of marketing communications
7. Data Retention
We retain your data for as long as your account is active. Upon account deletion, we permanently remove your data within 30 days, except where required by law.
8. Children's Privacy
DebtZero is not intended for users under 18 years of age. We do not knowingly collect information from children.
9. Changes to Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes through the app or via email.
10. Contact Us
For privacy-related questions or concerns, contact us at:
Email: sales@xigmapro.com