Privacy Policy

1. Introduction

Priyadarsan Softwares ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our SudhaBook mobile application and website (collectively, the "Service").

Please read this Privacy Policy carefully. By using our Service, you consent to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our Service.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, physical address
• Account Information: Username, password, account preferences
• Financial Information: Information about borrowings, lending, interest rates, and payment records
• Profile Information: Profile pictures, user preferences, and settings
• Identity Information: In some cases, identity verification documents as required by applicable regulations

2.2 Non-Personal Information

We may also collect non-personal information that does not directly identify you:

• Device Information: Device type, operating system, unique device identifiers, IP address
• Usage Data: Information about how you use our Service, including access times, features used, and pages visited
• Location Data: General location information based on IP address or precise location if you grant permission

3. How We Collect Information

We collect information in the following ways:

• Direct Collection: Information you provide when creating an account, entering financial data, or communicating with us
• Automated Collection: Information collected automatically through your use of our Service, via cookies and similar technologies
• Third Parties: Information we may receive from third-party service providers, partners, or public sources

4. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our Service
• To process and record financial transactions and calculations within the app
• To verify your identity and prevent fraud
• To communicate with you about updates, changes, or new features
• To provide customer support and respond to your inquiries
• To personalize your experience and deliver content relevant to your interests
• To send notifications about payments, borrowings, and other financial activities you track in the app
• To ensure the security of our Service and data
• To comply with legal obligations

5. Disclosure of Your Information

We may disclose your information in the following circumstances:

5.1 With Your Consent

We may share your personal information when you have explicitly agreed to the disclosure.

5.2 Service Providers

We may share your information with third-party vendors, service providers, contractors, or agents who perform services on our behalf.

5.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

5.4 Business Transfers

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

5.5 With Other Users

When you share information about transactions with other users (borrowers or lenders) within the app, certain information may be visible to these users.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data at rest and in transit
• Regular security assessments and testing
• Access controls and authentication procedures
• Regular backups and data recovery protocols

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

7. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.

8. Your Data Protection Rights

Under applicable Indian data protection laws, you have certain rights regarding your personal information:

• Right to Access: You have the right to request copies of your personal information.
• Right to Rectification: You have the right to request that we correct information you believe is inaccurate or complete information you believe is incomplete.
• Right to Erasure: You have the right to request that we delete your personal information in certain circumstances.
• Right to Restrict Processing: You have the right to request that we restrict the processing of your personal information in certain circumstances.
• Right to Object: You have the right to object to our processing of your personal information in certain circumstances.
• Right to Data Portability: You have the right to request that we transfer the data we have collected to another organization, or directly to you, under certain conditions.

To exercise any of these rights, please contact us using the contact information provided below. We may need to verify your identity before responding to your request.

9. Children's Privacy

Our Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we can take necessary actions.

10. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Service and hold certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

11. Third-Party Services

Our Service may contain links to other websites or services that are not operated by us. If you click on a third-party link, you will be directed to that third party's site or service. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

12. Compliance with Indian Laws

We comply with applicable Indian data protection laws, including the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

As per these regulations, we implement reasonable security practices to protect your sensitive personal information. We maintain a documented information security program and security policy that contains managerial, technical, operational, and physical security control measures.

13. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction.

If you are located outside India and choose to provide information to us, please note that we transfer the information, including personal information, to India and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

14. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

15. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• By email: [email protected]
• By mail: Priyadarsan Softwares, Bangalore, Karnataka, India