Privacy Policy for Money Lender

This Privacy Policy explains how Money Lender ("Money Lender", "we", "us", or "our") collects, uses, stores, protects, and handles information when you use our mobile application and related services.

1. Information We Collect

Depending on how your organization uses Money Lender, the application may process the following categories of information:

1.1 Account and authentication information

• Name and username
• Email address
• User ID and authentication identifiers
• Company, branch, center, staff role, and authorization information
• Account status and license/expiry information, where applicable

1.2 Member/customer information

• Customer/member name
• Address and location-related business information entered by the finance company
• Member/customer identification details entered by an authorized user
• Membership, group, center, branch, and related business records

1.3 Loan and repayment information

• Loan account/reference number
• Loan amount, interest, fees, penalties, discounts, and repayment terms
• EMI schedule and repayment history
• Outstanding amounts and other loan accounting information
• Payment mode and transaction/reference information

1.4 Financial and accounting information

• Ledger and group information
• Voucher and voucher-entry information
• Cash and bank transaction information
• Fixed deposit (FD), recurring deposit (RD), and related account information, where used
• Opening balances, accounting entries, reports, and business financial records

1.5 Documents and files

If the application provides a document, image, spreadsheet, PDF, import/export, or backup feature, information contained in files that an authorized user voluntarily selects or uploads may be processed for that requested business function.

1.6 Technical information

We may process limited technical information necessary to operate, secure, maintain, troubleshoot, and improve the application, such as application version, operating system information, crash/error information, and basic device or network information when made available by the platform or services used by the application.

2. How We Use Information

Information may be used for the following purposes:

• Creating and authenticating user accounts
• Providing loan, EMI, member, FD/RD, ledger, voucher, and accounting functionality
• Maintaining company, branch, center, staff, and customer records
• Generating statements, reports, receipts, schedules, and business documents
• Importing and exporting business records when requested by an authorized user
• Synchronizing authorized business data between the application and its backend services
• Preventing unauthorized access, fraud, misuse, and security incidents
• Diagnosing errors and improving reliability and performance
• Complying with applicable legal, regulatory, accounting, and contractual obligations

3. Data Storage and Cloud Services

Money Lender may use cloud services, including Google Firebase services such as Firebase Authentication and Cloud Firestore, to authenticate users and store application/business data.

Data may therefore be transmitted to and stored on servers operated by our service providers. We use reasonable administrative, technical, and organizational measures intended to protect information against unauthorized access, alteration, disclosure, or destruction.

4. Sharing of Information

We do not sell personal or financial information to third parties.

Information may be disclosed only where reasonably necessary for operating the service, protecting the service and its users, or complying with legal obligations. Depending on the configuration and use of the application, this may include:

• Your finance company or organization: Authorized administrators and staff may access information entered into the company's Money Lender account according to their assigned permissions.
• Service providers: Cloud hosting, authentication, database, security, analytics, notification, storage, or other technical service providers may process information on our behalf where required to provide the service.
• Legal or regulatory authorities: Information may be disclosed where required by applicable law, regulation, court order, or lawful governmental request.
• Business protection: Information may be processed where reasonably necessary to investigate security incidents, fraud, abuse, or violations of our terms.

5. Customer and Financial Data

Money Lender can handle sensitive business and financial records. Such information is intended to remain private and accessible only to authorized users of the relevant company or organization and authorized service personnel where necessary to operate the service.

We do not intentionally make customer loan balances, payment information, financial records, government identification numbers, or other sensitive information publicly available.

6. Permissions

Depending on the features enabled in a particular version of Money Lender, the app may request device permissions needed for a specific function, such as selecting files, importing documents, attaching images/documents, saving generated files, or sending notifications.

Permissions are used for the related functionality and should not be used to access unrelated personal information. You can manage applicable Android permissions through your device settings.

7. Notifications

If notifications are enabled, Money Lender may send operational notifications such as account, EMI, reminder, security, application-update, or other service-related messages. Notification functionality may use third-party notification infrastructure.

8. Data Security

We take reasonable steps to protect information using appropriate technical and organizational safeguards. These may include authenticated access, access controls, secure network communication, database security rules, and other security mechanisms appropriate to the service.

However, no electronic storage or transmission system can be guaranteed to be 100% secure. Users and organizations are responsible for protecting their account credentials and for assigning appropriate access permissions to their staff.

9. Data Retention

Business records may be retained for as long as necessary to provide the service, maintain accounting and operational records, satisfy contractual requirements, resolve disputes, comply with applicable legal or regulatory obligations, or protect legitimate business interests.

Retention periods may vary depending on the type of information and the requirements of the organization using Money Lender.

10. Account and Data Deletion

If Money Lender provides account creation, users may request deletion of their account and associated personal data by contacting us using the contact details provided below, subject to legitimate legal, regulatory, accounting, security, or contractual retention requirements.

Because Money Lender is designed for finance-company business records, deletion of a staff or company user account may not automatically mean deletion of business records that the organization is legally or operationally required to retain.

11. Children's Privacy

Money Lender is a business and financial management application and is not directed to children. We do not knowingly design the service to collect personal information from children for children's use.

12. Third-Party Services

The application may rely on third-party services to provide authentication, cloud storage/database, hosting, notifications, crash reporting, file handling, or other technical functionality. Such providers may process information according to their own terms and privacy policies.

The developer is responsible for configuring and using these services in accordance with applicable laws and Google Play policies.

13. Changes to This Privacy Policy

We may update this Privacy Policy when the application, services, legal requirements, or data practices change. The updated version will be published at the same privacy policy URL and will include a revised effective date.

14. Your Responsibilities

Organizations and administrators using Money Lender are responsible for ensuring that they have an appropriate legal basis and necessary permissions to enter, process, store, and use member/customer information in the application.

Users must not enter information that they are not authorized to collect or process and must not use Money Lender to unlawfully disclose another person's private information.

15. Contact Us

16. Disclaimer

This Privacy Policy is intended to describe the application's general data practices and to support transparency for users and app-store review. It is not legal advice. The developer should review this policy against the actual SDKs, permissions, backend services, data flows, business model, and laws applicable to each country where the application is distributed.