Privacy Policy

When you use Kharcho, we collect information necessary to provide seamless bill splitting, group management, and expense tracking services:

• Account Information: Name, email address, password hash, profile avatar, and phone number (if provided).
• Expense & Group Data: Transaction details, category tags, payment split ratios, group memberships, and settlement history.
• Technical & Device Information: IP address, device type, browser information, app version, and standard server log data.

We use your data solely to deliver, enhance, and secure our expense splitting and management services:

• Calculating member balances and generating debt simplification matrices.
• Sending transactional notifications, verification emails, and reminder alerts.
• Providing analytics, spending reports, and categorized financial insights.
• Detecting, preventing, and mitigating fraudulent activity or security vulnerabilities.

We employ industry-standard security protocols to protect your data against unauthorized access, loss, or misuse:

We do not sell, rent, or trade your personal or financial data to third parties. Data is shared only under specific circumstances:

• Group Members: Other users in your shared groups can see group expense details and settlements.
• Essential Service Providers: Trusted cloud infrastructure and transactional email services strictly under confidentiality agreements.
• Legal Compliance: When required by applicable law, regulation, or legal process.

You have full control over your personal data on Kharcho:

• Access, update, or correct your profile information at any time.
• Export your expense history and reports in accessible formats.
• Request permanent deletion of your account and associated personal data.

If you have questions, feedback, or concerns regarding our Privacy Policy or data handling practices, please reach out to us: