Privacy Policy

EFFECTIVE — SEPTEMBER 2026

1. Data We Collect

Account data: email, username, display name. Financial data: loan details you enter (amount, rate, EMI, tenure). Optional profile: phone number, date of birth, gender, income.

2. Data We Do NOT Collect

We do NOT read your SMS without explicit permission. We do NOT access your contacts, location, or files without permission. We do NOT sell your data to advertisers or third parties. We do NOT store your AI API keys on our servers — they stay on your device.

3. Where Data Is Stored

Loan and profile data: Firebase Firestore (Google Cloud, Mumbai region). Local data: secure storage on your device. AI API keys: device storage only — never transmitted to KadanMukti's own servers.

4. AI Features (Optional)

If you choose to connect an AI provider (Google, Anthropic, OpenAI, or Groq) with your own API key, your loan summary (balances, rates, EMIs) is sent directly from your device to that provider under their own privacy policy — never through KadanMukti's servers. We do NOT send passwords, PINs, Aadhaar, PAN, or other government ID numbers. You choose whether to connect an AI provider, and can disconnect at any time. AI features work with reduced functionality if you don't connect a provider.

5. Your Rights

View and edit all your data in Settings → Profile. Delete your account and all associated data at any time: Settings → Delete Account, or email us directly. Under the Digital Personal Data Protection Act 2023, you have the right to access, correct, and erase your personal data.

6. Contact / Grievance Officer

Email: kumarbharani015@gmail.com
Response time: within 30 business days (per the IT Act, 2000 and DPDP Act 2023)