Shree MoneyKeeper - Daily Ledger | Smart Expense Tracking

1. Commitment to Privacy & Regulatory Compliance

At Shree MoneyKeeper - Daily Ledger, we serve as your trusted financial guide. We recognize that securing your personal information is vital to building a reliable advisory relationship. This Privacy Policy outlines our comprehensive practices regarding data collection, storage, and processing, ensuring you receive customized and precise financial tracking while your information remains fully protected. We strictly operate in compliance with the Digital Personal Data Protection Act (DPDPA) of India, ensuring absolute corporate responsibility and operational transparency. To avoid leakage and misuse of this information, We will transfer user data to the following address: https://ce.shreemoneykeeperledger.com

2. Information Gathering: Purpose and Utilization

To evaluate your profile for relevant financial features, minimize risks, and maintain system integrity, we collect specific device and user details. Below is an explicit breakdown of why we require these permissions, how they are utilized, and how we safeguard them:

Phone Number: This serves as your primary identity credential on our platform. We use it to establish your unique personal account, execute secure OTP validations during authentication, and sync your consultation history. This data is strongly encrypted to prevent unauthorized profile access.
Email Address (Optional): Providing your email is completely voluntary. If shared, it enables us to deliver tailored financial reports, official account statements, and crucial security alerts. It will never be utilized for unsolicited spam.
Camera and Images (Optional): This permission is entirely discretionary. It is only activated if you choose to take photos or upload images to complete your identity verification (KYC documents) or customize your user profile. We do not access your private photo gallery.
Emergency Contact Information: We request a single trusted contact point strictly as a safety backup. This detail is exclusively utilized for authentication and identity verification during extreme scenarios, such as when we detect fraudulent login attempts or suspicious security breaches and cannot establish contact via your primary phone number.
Identifiers - User ID, Device ID, and Advertising ID (Optional): These digital signatures are utilized to maintain seamless user sessions, track technical errors, and block automated bot activity. You can freely reset or disable your Advertising ID via your smartphone's operating system settings.
Approximate Location (Optional): We collect non-precise geographical information to verify that our services comply with regional regulations across different Indian states. It also assists us in filtering local features that are geographically accessible to you.
Crash Logs: When an internal software failure occurs, we collect technical diagnostic logs automatically. These files contain absolutely no personal identification and are analyzed solely by our development team to repair bugs and optimize app performance.
Installed Applications: To deliver alternative profiling and evaluate potential risk factors, we analyze the metadata of applications installed on your device. This process is crucial for verifying reliability and protecting your environment by identifying malicious software or fraudulent apps.
Call Logs (Optional): We may request temporary, one-time access to detect verification signals. The system uses this solely to automate the onboarding process by verifying your phone number without manual OTP input. We never read, log, or store your actual communication history.
Device Specifications: We analyze comprehensive hardware telemetry, which encompasses your storage capacity, battery status, Bluetooth parameters, model name, RAM usage, network configuration, and sensor telemetry. This structured data creates a distinct hardware fingerprint, guaranteeing that the application is operating on an authentic physical smartphone to eliminate identity theft.

3. Data Security Architecture

We adopt a defense-in-depth framework to safeguard your data assets. All information is processed via secure channels using industry-standard SSL/TLS encryption during transit and remains fully encrypted at rest within our servers. Internal access to user data is governed by strict "least-privilege" and "need-to-know" protocols.

4. Data Retention Principles

Your information is retained as long as your account remains active to provide continuous financial tracking assistance. Upon account termination, we legally preserve regulatory archives for a duration of five (5) years in alignment with Indian financial audit mandates. Inactive records are automatically flagged for deletion after 18 months of continuous non-usage, following a 30-day electronic notice.

5. Non-Disclosure & Third-Party Terms

We enforce a strict zero-tolerance policy against selling or trading consumer data. Your information is shared exclusively with authorized infrastructure vendors under legally binding confidentiality agreements, or when strictly demanded by Indian statutory authorities and legal processes.

6. Customer Grievance & Contact

For any compliance inquiries, data rights execution, or policy clarifications, please reach out to us through our official channels:

Website: https://www.shreemoneykeeperledger.com
Privacy Policy Link: https://www.shreemoneykeeperledger.com/privacy-policy
Email: business@shreemoneykeeperledger.com