Privacy Policy for KharchaAI

KharchaAI ("we", "our", or "us") is a personal expense tracking and budgeting application designed to help users track their expenses, manage budgets, view spending insights, and interact with an AI-powered assistant.

We respect your privacy and are committed to protecting your personal and financial information. This Privacy Policy explains what information KharchaAI handles, how it is used, and how you can control your data.

1. Information We Handle

Depending on the features you use, KharchaAI may handle the following information:

Expense and Financial Information

When you add transactions, the app may store information such as:

Merchant or expense name
Expense amount
Date of transaction
Spending category
Notes or other information you voluntarily enter
Monthly budget information
Money you have lent or borrowed
Currency information

This information is used to provide expense tracking, budgeting, analytics, reports, and AI-powered insights.

AI Assistant Queries

When you use the KharchaAI AI Assistant, the app may process:

Questions you ask about your spending
Relevant expense and budget information required to answer your question
Information generated by the AI while responding to your request

The AI Assistant uses this information only to provide the requested functionality.

Voice Input

If you choose to use voice input, KharchaAI may access your device's microphone to capture your spoken request.

Microphone access is used only when you actively use the voice-input feature.

Receipt Information

If you use a receipt-scanning feature, the app may access an image you select or capture for the purpose of extracting relevant expense information.

KharchaAI does not access your photos unless you choose to provide an image through the relevant feature.

2. How We Use Your Information

The information handled by KharchaAI may be used to:

Record and organise your expenses
Calculate your spending totals
Track your monthly budget
Show spending trends and analytics
Compare spending between months
Generate spending reports
Provide AI-powered answers and insights
Help you understand your spending habits
Track debts and money you have lent or borrowed
Create PDF or CSV exports
Provide reminders and notifications when enabled by you
Improve the functionality and reliability of the application

We do not use your financial information to provide professional financial advice.

3. Local Storage and On-Device Processing

KharchaAI is designed with privacy in mind.

Where supported by the features and device configuration, your expense and budget information can be stored locally on your device and processed using on-device capabilities.

When the AI Assistant uses an on-device AI model, relevant information can be processed directly on your device without being sent to a remote server.

The availability of on-device processing may depend on your device and the AI functionality available on your device.

4. AI and Third-Party AI Services

KharchaAI may use AI technologies to provide its AI Assistant functionality.

Depending on the AI mode selected and the capabilities available on your device, certain AI requests may be processed using on-device or cloud-based AI services.

When a cloud-based AI service is required, information necessary to fulfil your request may be transmitted to the relevant AI service provider.

We do not intentionally send unnecessary personal information to AI services.

You should avoid entering highly sensitive information, such as passwords, PINs, bank account passwords, card security codes, or other authentication credentials into the AI Assistant.

5. Data Sharing

We do not sell your personal or financial information.

We may share information only when necessary to:

Provide a feature you have explicitly requested
Process an AI request through a relevant third-party AI service
Comply with applicable laws, regulations, legal processes, or valid governmental requests
Protect the rights, safety, security, or property of KharchaAI, our users, or others

We do not use your expense information for advertising purposes unless this Privacy Policy is updated to specifically explain such use.

6. Data Storage

KharchaAI is designed to minimise unnecessary collection of your financial information.

Information stored locally on your device remains under your control and may remain available until you delete it, uninstall the application, or use an in-app deletion/reset option where available.

If you create a backup or export your information, that file is stored wherever you choose to save it, such as your device storage or another service selected by you.

You are responsible for protecting exported files and backups.

7. Data Export

KharchaAI may allow you to export your transaction information in formats such as:

When you export your information, the resulting file may contain financial information from your transactions.

You are responsible for deciding where exported files are stored and with whom they are shared.

8. Permissions

KharchaAI may request certain device permissions only when required for a feature.

These may include:

Microphone:
Used for voice-based interaction when you choose to use voice input.

Camera:
Used when you choose to capture a receipt or other information supported by the app.

Photos / Media:
Used when you choose an image for receipt processing or another supported feature.

Notifications:
Used to provide reminders, budget alerts, or other notifications when enabled.

You can manage available permissions through your device settings.

9. Data Security

We take reasonable measures to protect the information handled by KharchaAI.

However, no method of electronic storage or transmission is completely secure. Therefore, we cannot guarantee absolute security of information.

We recommend keeping your device protected with an appropriate screen lock and protecting any exported backups or financial files.

10. Children's Privacy

KharchaAI is intended for general personal finance and expense-tracking use.

KharchaAI does not knowingly collect personal information from children in violation of applicable laws.

If you believe that a child has provided personal information to us, please contact us so that appropriate action can be taken.

11. Your Choices and Control

You have control over the information you enter into KharchaAI.

Depending on the available app functionality, you can:

Add, edit, or delete transactions
Manage your categories
Modify your budget
Manage debts
Export your data
Create or restore backups
Remove information from the app

You can also disable device permissions through your device settings.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to KharchaAI, our services, or applicable legal requirements.

When we make changes, we will update the Effective Date at the top of this Privacy Policy.

We encourage you to review this Privacy Policy periodically.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact us:

KharchaAI
Email: aimobilecoders@gmail.com