Privacy Policy
Effective Date: 03/23/2026
Last Updated: 03/23/2026
Welcome to PaisaGuruPro ("we," "us," or "our"). This Privacy Policy explains how we collect,
use, and protect your information. We respect the privacy of our users in India and comply with the
Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and
Procedures and Sensitive Personal Data or Information) Rules, 2011.
⚠️ CRITICAL PRIVACY STATEMENT:
We strictly adhere to the principle of Data Minimization and Local Processing.
We explicitly guarantee that your Raw SMS Messages and Call Logs are processed
LOCALLY on your device and are NEVER uploaded to our servers or shared with
third parties.
1. Information We Collect & How We Use It
A. Information You Provide (Uploaded to Cloud)
To enable the "Cloud Sync" feature, allowing you to switch devices without losing data, the following data is
encrypted and stored on our secure servers:
- Account Data: Phone number (used as your unique ID).
- Ledger Entries: The financial data you record or confirm (e.g., Amount: ₹500, Category:
Food, Date: 2023-10-01, Notes, Location Tag).
- Profile Picture: The photo you capture via camera for your avatar.
B. Permissions & Local Processing (NOT Uploaded)
We request sensitive permissions solely to automate features on your device. This data DOES NOT
leave your phone.
1. SMS Permission (READ_SMS)
- Purpose: Automated Expense/Income Tracking.
- How it works: Our algorithm scans your inbox locally to identify transactional SMS from
banks/wallets. It extracts the amount and merchant name to create a draft entry.
- Privacy: We DO NOT read personal SMS. We DO NOT upload
raw SMS content.
2. Call Log Permission (READ_CALL_LOG)
- Purpose: Voice OTP Verification & Security.
- How it works: Used to automatically detect the incoming verification call to confirm your
identity. It also ensures the SIM card receiving the code is physically present on the device (Device Unity
Check).
- Privacy: We DO NOT upload your call history or contact list.
3. Location & Camera
- Location: Used only when you choose to tag a location to a transaction.
- Camera: Used only to take your profile picture.
4. Device Information
- We collect basic device info (Model, OS Version) to troubleshoot crashes and ensure app compatibility.
2. Data Storage and Security
We take the security of your data seriously. We implement industry-standard security measures to protect your
information.
🔒 Encrypted Transmission to Secure Server:
All user-generated bookkeeping text data (Income, Expense, Notes) is transmitted via a secure,
encrypted connection (SSL/TLS).
This data is securely uploaded to our dedicated and authenticated server endpoint:
https://api.paisaguru.click
We do not allow clear-text (HTTP) traffic. All data in transit is encrypted to prevent interception.
3. Data Sharing and Disclosure
We do not sell your personal data. We may share data only in the following circumstances:
- Legal Requirements: If required by Indian law enforcement agencies.
- Service Providers: With OTP providers strictly for delivering login codes.
4. Your Rights
You have the right to access, correct, or delete your data. You can delete your account and all cloud data by
contacting our support team.
5. Grievance Officer (India)
In accordance with the IT Act, 2000, the contact details of the Grievance Officer are provided below:
- Email: help@paisaguru.click