Privacy Policy

1. Introduction

Welcome to Daily Collections ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we will collect, use, disclose, and safeguard your information when you use our mobile application ("App").

By using our App, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our App.

2. Information We Collect

2.1 Account Information

When you create an account, we will collect:

• Email address
• Full name
• Phone number
• User role (admin or client)
• Profile image (if provided)
• Account creation date and last login information

2.2 Customer Information

To provide our financial management services, we will collect and store customer information including:

• Customer name
• Phone number and alternative contact number
• Email address
• Physical address and map location
• Customer identification number
• Business information
• Guarantor information
• Customer images
• Customer code and area/line assignments

2.3 Financial Data

We will collect and process financial information necessary for loan and collection management:

• Loan details (principal amount, interest, installment information)
• Payment history and transaction records
• Collection amounts and payment dates
• Payment methods (cash, UPI, bank transfer, digital payments)
• Outstanding balances and loan status
• Due dates and payment schedules
• Notes and comments related to transactions

2.4 Device and Usage Information

We may automatically collect certain information about your device and how you interact with our App (when available):

• Device information (model, operating system, unique device identifiers)
• App version and usage patterns
• Network connectivity information
• Crash reports and error logs

2.5 Files and Documents

If you choose to import data via Excel files, we may temporarily process file contents to import customer and loan information into the App (when this feature is available).

3. How We Use Your Information

We will use the collected information for the following purposes:

• Service Provision: To provide, maintain, and improve our financial management services
• Account Management: To create and manage your user account, authenticate your identity, and provide customer support
• Financial Operations: To manage loans, track collections, generate reports, and manage customer relationships
• Communication: To send you important updates, notifications, and respond to your inquiries
• Data Analysis: To generate reports, analyze trends, and improve our services
• Security: To detect, prevent, and address technical issues, fraud, or security threats
• Compliance: To comply with legal obligations and enforce our terms of service

4. Data Storage and Security

4.1 Cloud Storage

Your data will be stored securely in cloud databases provided by Supabase. We will implement industry-standard security measures including:

• Encrypted data transmission (HTTPS/TLS)
• Encrypted data storage
• Access controls and authentication
• Regular security audits and monitoring

4.2 Local Storage

Some data may be stored locally on your device using SQLite database and SharedPreferences for improved performance and offline access. This local data will be stored securely on your device and will not be accessible to other apps.

4.3 Data Retention

We will retain your personal information for as long as necessary to provide our services and comply with legal obligations. You may request deletion of your account and associated data at any time by contacting us.

5. Third-Party Services

5.1 Supabase

We will use Supabase for backend services, database management, and user authentication. Supabase will process your data in accordance with their privacy policy. For more information, please visit: https://supabase.com/privacy

5.2 Google Services

Our App may integrate with Google Services (Firebase) for certain functionality. While analytics will be disabled, Google may process some technical data. Google's privacy policy will apply: https://policies.google.com/privacy

5.3 Other Service Providers

We may use other third-party service providers to help us operate our App and administer activities on our behalf. These providers will have access to your information only to perform specific tasks and will be obligated not to disclose or use it for any other purpose.

6. Data Sharing and Disclosure

We do not and will not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party service providers who assist us in operating our App, conducting our business, or serving our users
• Legal Requirements: When required by law, court order, or governmental authority
• Business Transfers: In connection with any merger, sale of company assets, or acquisition
• Protection of Rights: To protect our rights, property, or safety, or that of our users or others
• With Your Consent: When you have given us explicit permission to share your information

7. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Data Portability: Request a copy of your data in a portable format
• Opt-Out: Opt out of certain data processing activities
• Account Deletion: Delete your account and associated data

To exercise these rights, please contact us using the information provided at the end of this policy.

8. Permissions

Our App may request the following permissions (when available):

• Internet Access: Required to sync data with cloud servers and provide online features
• Storage Access: To import/export Excel files and store local data
• Phone: To make phone calls to customers directly from the App
• Network State: To check connectivity status

You can revoke these permissions at any time through your device settings, though this may limit certain App functionality.

9. Children's Privacy

Our App is not intended for children under the age of 13 (or the minimum age required by law in your jurisdiction). We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your country. We take appropriate safeguards to ensure your information receives adequate protection.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy in the App (when available) and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

Changes to this Privacy Policy will be effective when they are posted in the App. Your continued use of the App after any changes indicates your acceptance of the updated Privacy Policy.

12. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information is collected, used, shared, or sold
• The right to delete personal information held by us
• The right to opt-out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your privacy rights

13. GDPR Rights (European Users)

If you are located in the European Economic Area (EEA), you have certain data protection rights under the General Data Protection Regulation (GDPR):

• The right to access, update, or delete your personal information
• The right of rectification
• The right to object to processing
• The right of restriction
• The right to data portability
• The right to withdraw consent

Our legal basis for processing your personal information includes: (1) your consent, (2) performance of a contract, (3) compliance with legal obligations, and (4) legitimate business interests.

14. Data Breach Notification

In the event of a data breach that may affect your personal information, we will notify you and relevant authorities as required by applicable law. We will take immediate steps to investigate and remediate any security breach.

Note: This Privacy Policy is provided in advance of the App's public release. The App is currently in development and has not yet been published. All data collection and processing practices described herein will apply once the App becomes available for public use.

15. Contact Us

16. Consent

By using our App, you consent to our Privacy Policy and agree to its terms. If you do not agree to this policy, please do not use our App.