Privacy Policy

Introduction

Welcome to Karza ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application Karza (the "App").

We are committed to protecting your privacy and ensuring you have a positive experience on our App. By using Karza, you consent to the data practices described in this privacy policy.

1 Information We Collect

Information You Provide

Transaction Data

Details about debts, amounts, dates, and notes

Contact Information

Names and phone numbers you track

Account Information

Google account details (optional)

App Settings

Your preferences and notifications

Automatically Collected Information

Device Information: Device type, operating system, app version

Usage Data: App usage patterns, features used, crash reports (anonymized)

Performance Data: App performance metrics to improve user experience

2 How We Use Your Information

Core Functionality

Store and organize your debt information
Generate financial insights and analytics
Send payment reminders and notifications
Sync data across your devices (if signed in)

App Improvement

Improve app performance and fix bugs
Understand user behavior and preferences
Develop new features and enhancements
Provide customer support

3 Data Storage & Security

Local Storage Priority

Your financial data is primarily stored locally on your device. This means your transaction details, debt information, and personal notes remain on your phone and are not automatically uploaded to our servers. This approach provides maximum privacy and security for your sensitive financial information.

Security Measures

End-to-end encryption for sensitive data

Secure local database storage

No plain text storage of financial info

Regular security updates and patches

Optional Cloud Sync

Google Drive backup (optional, encrypted)

User-controlled data synchronization

Automatic data purging options

Easy data export and deletion

4 Information Sharing

We Do NOT Sell Your Data

We do not sell, trade, or otherwise transfer your personal information to third parties for marketing purposes. Your financial data is never shared with advertisers, data brokers, or other commercial entities.

We may share your information only in the following limited circumstances:

Service Providers

Third-party services that help us operate the app (analytics, crash reporting, cloud storage) with strict data protection agreements.

Legal Requirements

When required by law, court order, or government regulation, or to protect our rights and safety.

Business Transfers

In the event of a merger, acquisition, or sale of assets, with continued protection under this privacy policy.

5 Your Rights and Choices

Data Control

Access your personal data

Correct inaccurate information

Export your data

Request data deletion

Communication Preferences

Control push notifications

Manage reminder settings

Opt out of promotional emails

Choose data collection levels

Account Deletion

You can delete your account and all associated data at any time. This process is irreversible and will permanently remove all your transaction data, contacts, and app settings. Learn more about account deletion.

6 Contact Us

If you have any questions about this Privacy Policy, your data, or our privacy practices, please don't hesitate to contact us:

Privacy Support

sagarinnovate@gmail.com

Response within 24-48 hours

General Support