Privacy Policy

SARAJOD ("we", "us", "our") operates the SaraJod mobile apps (iOS and Android) and sarajod.com. For privacy questions, contact us at [email protected].

We collect only what is needed to run the product and keep your account secure:

• Account & identity — mobile number for OTP sign-in, profile name, and optional profile photo.
• Financial data you create — transactions, contacts, ledgers, udhar balances, collections, statements, categories, and notes you enter or approve.
• Voice & text input — audio from the microphone and speech-to-text when you use voice logging, plus typed transaction text.
• Bill & receipt images — photos you capture or upload for OCR extraction (merchant, totals, GST, dates).
• Device contacts — when you choose a contact while logging a transaction (with your permission).
• App & device data — app version, device type, push notification tokens, session identifiers, and basic diagnostics to fix crashes and improve reliability.
• Security settings — master PIN and biometric unlock preferences stored on your device where supported.

• Provide core features: voice parsing, bill OCR, ledgers, statements, splits, reminders, and profile workspaces.
• Sync your data across devices signed into the same account.
• Send OTP codes, security alerts, and payment or approval notifications you opt into.
• Improve accuracy of AI parsing, OCR, and reminders using aggregated or de-identified signals where possible.
• Respond to support requests and enforce our Terms of Service.
• Meet legal obligations in India and other jurisdictions that apply to our operations.

SARAJOD uses AI to interpret natural language (including Hindi, Hinglish, and English), extract fields from bills, and draft reminder messages. Outputs are shown for your review before they affect your books where approval flows apply. We do not use your private ledger data to train public models without your consent.

We do not sell your personal or financial data. We may share limited information with:

• Infrastructure providers — cloud hosting, SMS/OTP delivery, push notification services, and analytics that help us operate the app under contract.
• People you collaborate with — when you share a profile, collection, or approval request with operators or contacts you invite.
• Legal & safety — when required by law, court order, or to protect rights, safety, and fraud prevention.
• Business transfers — in connection with a merger or acquisition, subject to this policy.

• Data is stored on secure servers with encryption in transit (TLS) and at rest where applicable.
• We retain account and ledger data while your account is active and for a reasonable period after deletion to meet legal and backup requirements.
• You may request account or profile deletion by emailing [email protected]. Some records may be retained where law requires.

• Access and update profile, language, and notification settings in the app.
• Revoke contacts, microphone, or photo permissions in your device settings.
• Request a copy or deletion of personal data by contacting [email protected].
• Indian users may have rights under applicable law, including the Digital Personal Data Protection Act, 2023, such as correction, erasure, and grievance redressal.

SARAJOD is not directed at children under 18. If you believe a minor has provided us data, contact [email protected] and we will take appropriate steps.

We primarily serve users in India. If data is processed outside India, we use appropriate safeguards consistent with applicable law.

We may update this Privacy Policy from time to time. We will post the revised version on sarajod.com/privacy with an updated date. Continued use after changes means you accept the updated policy.