Privacy Policy

Who we are

Zenidhi is a personal expense tracker and financial goal planner for individuals in India. You add your income, expenses, and goals, and the app helps you see your cash flow and plan toward what matters. We act as the "Data Fiduciary" for the personal data you give us under India's Digital Personal Data Protection Act, 2023 (the "DPDP Act").

What we collect

We only collect what the app needs to work for you:

• Your identity: your mobile number (used to create and sign in to your account) and the name you choose to show.
• The financial details you enter: your stated monthly income, expenses, debts, savings, salary day, the transactions you log, the accounts and categories you create, your goals, and any notes or sentiment tags you add.
• Contacts (only if you use bill-splitting): when you choose to split an expense with someone, the app reads contacts you pick so it can match them by phone number. We use this to set up the split; we do not upload your whole address book or use it for marketing.
• Notification token: if you turn on reminders, a device push token so we can send the alerts you asked for.
• Basic technical data: the minimum needed to keep the service running securely and reliably.

We do not read your SMS or call logs, we do not track your location, and we do not sell your data.

Why we use it (purpose & lawful basis)

We process your data on the basis of your consent, which you give when you create your account, and use it to: run the core expense-tracking and goal-planning features; calculate your surplus, budgets, and goal plans; send the reminders you opt into; provide support; keep the service secure; and meet legal obligations. We use it only for these purposes and do not repurpose it without asking you again.

Who we share it with

We do not sell your personal data and we do not share it with third parties for their own marketing. We use a small number of trusted service providers strictly to operate the app — principally our cloud backend and database provider, which stores your data on our behalf under contractual confidentiality and security obligations, and an SMS provider used only to deliver your login code. These providers act on our instructions as data processors.

Where your data is stored (cross-border transfer)

Our backend infrastructure is currently hosted outside India (in the United States) by our cloud provider. Your data is encrypted in transit and protected by that provider's security controls. Such transfers are permitted under the DPDP Act today; if the Government of India restricts transfers to any country, we will comply. By using the app you consent to this processing location.

How we protect it

All communication between the app and our servers is encrypted in transit using TLS/HTTPS. Sensitive identifiers are stored using secure device storage on your phone, and access to backend data is restricted. No system is perfectly secure, but we apply reasonable security safeguards appropriate to financial information.

How long we keep it

We keep your data for as long as your account is active. When you delete your account, we permanently erase your associated data, except where we are required to retain limited records to comply with law or resolve disputes. See how to delete your account.

Your rights

Under the DPDP Act you can, at any time:

• Access & export your data — in the app, open Settings → Your data → "Export my data".
• Correct your information by editing it in the app.
• Delete your account and data — Settings → Your data → "Delete account", or via the web (see below).
• Withdraw consent by deleting your account; we then stop processing your data.
• Raise a grievance with our Grievance Officer.

Children

Zenidhi is intended only for users aged 18 and above. We do not knowingly create accounts for, or collect data from, anyone under 18. If we learn that we have, we will delete it.

Data breaches

If a personal data breach occurs, we will notify the Data Protection Board of India and affected users in accordance with the DPDP Act and its rules (within the prescribed timeline).

Grievance Officer & contact

For any question, request, or complaint about your data, contact our Grievance Officer:

Grievance Officer, Zenidhi
Email: shyamsaitejam@gmail.com
We acknowledge requests promptly and aim to resolve them within the timelines required by the DPDP Act and the Consumer Protection (E-Commerce) Rules, 2020.

Changes to this policy

We may update this policy as the product evolves or the law changes. Material changes will be reflected by a new effective date, and we may ask you to accept the updated policy in the app. See also our Terms of Service.