Privacy Policy

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1. Introduction

Welcome to Bonik Khata ("we," "our," or "us"). We are committed to protecting your privacy and ensuring transparency about how we handle your information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our mobile application ("App").

By using Bonik Khata, you agree to the collection and use of information in accordance with this Privacy Policy.

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2. Information We Collect

2.1 Personal Information

We collect the following personal information, all of which is stored locally on your device:

• Name (Required): Your name for user profile identification
• Email Address (Optional): Your email address for user profile
• Phone Number (Optional): Your phone number for user profile
• Profile Photo (Optional): A photo you choose to add to your profile

Collection Method: All personal information is collected directly from you when you create or update your user profile. We do not collect this information automatically or from third-party sources.

2.2 Financial Information

We collect financial information necessary for the App's core functionality:

• Income records (amount, category, date, description)
• Expense records (amount, category, date, description)
• Debit/Credit ledger entries (khata transactions)
• Financial categories and budgets
• Zakat calculations and Islamic finance data
• Sadaqah records
• Qurbani savings
• Family expense records
• Reminders and notes related to finances

Collection Method: All financial information is entered by you directly into the App. We do not access your bank accounts, credit cards, or any external financial services.

2.3 App Settings and Preferences

We store your app preferences locally:

• Language preference
• Currency preference
• Dark mode setting
• Islamic mode setting
• App lock PIN (encrypted and hashed)
• Notification preferences

2.4 Subscription Information

If you purchase a Pro subscription:

• Subscription status (active/inactive)
• Subscription expiry date
• Last subscription verification timestamp

This information is verified with Google Play Billing and cached locally for offline access. Subscription data is handled according to Google Play's policies.

2.5 Information We Do NOT Collect

We do NOT collect:

• Device IDs or advertising IDs
• Location data
• Contacts or address book information
• Call logs or SMS messages
• Browsing history or web activity
• Biometric data (except locally stored PIN for app lock)
• Any data from other apps on your device

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3. How We Use Your Information

We use the information we collect solely for the following purposes:

3.1 App Functionality

• To provide and maintain the App's core features (expense tracking, income management, ledger entries)
• To store and organize your financial records locally on your device
• To generate reports and summaries based on your data
• To enable Islamic finance features (Zakat calculations, Sadaqah tracking, etc.)

3.2 Personalization

• To personalize your app experience (language, currency, theme preferences)
• To maintain your app settings and preferences

3.3 Security

• To secure your data with app lock functionality (PIN is encrypted and stored locally)
• To protect your financial information from unauthorized access

3.4 Optional Features

• Google Drive Backup: If you choose to use Google Drive backup, your backup files are uploaded to your personal Google Drive account. This is completely optional and user-initiated.
• Subscriptions: To verify and manage your Pro subscription status through Google Play Billing

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4. Data Storage & Security

4.1 Local Storage

All your data is stored locally on your device:

• Database: All financial records, user profile, and app data are stored in a local SQLite database on your device
• Profile Photos: Stored in the app's private documents directory
• Settings: Stored in device's local storage (SharedPreferences)
• App Lock PIN: Encrypted and stored securely in local database (hashed, not plain text)
• Backup Files: Stored locally on your device (optional Google Drive upload if you choose)

4.2 Data Transmission

We do NOT transmit your data to external servers except in the following limited cases:

• Google Drive Backup (Optional): If you explicitly choose to backup to Google Drive, backup files are uploaded to your personal Google Drive account. This is completely optional and user-initiated.
• Google Play Billing: Subscription verification requires communication with Google Play services, but no personal or financial data is shared.
• AdMob (Free Users Only): If you are a free user, AdMob may collect advertising identifiers and usage data according to Google's AdMob policies. Pro users do not see ads.

4.3 Data Security

We implement the following security measures:

• Encryption: All data stored locally is encrypted
• App Lock: Optional PIN protection for your app data
• No Cloud Sync: Your financial data is not automatically synced to any cloud service
• Private Storage: All data is stored in the app's private directory, inaccessible to other apps

4.4 Data Retention

Your data is retained:

• While App is Installed: All data remains on your device as long as the app is installed
• After Uninstall: All data is deleted when you uninstall the app
• Individual Records: You can delete individual records at any time through the app

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5. Ads & Third-Party Services

5.1 Advertising (AdMob)

Free Users Only: If you are using the free version of Bonik Khata, you may see advertisements provided by Google AdMob. AdMob may collect:

• Advertising identifiers
• Device information
• Usage data

Pro Users: Subscribed Pro users do NOT see any advertisements.

AdMob Privacy: AdMob's data collection and usage are governed by Google's Privacy Policy. You can learn more about how Google uses data for advertising at: https://policies.google.com/privacy

Opt-Out: You can opt out of personalized advertising through your device settings (Google Account settings on Android).

5.2 Google Play Billing

If you purchase a Pro subscription, your purchase is processed through Google Play Billing. Google Play may collect:

• Purchase information
• Payment information (handled securely by Google)
• Subscription status

This information is used solely to verify and manage your subscription. We do not have access to your payment details.

5.3 Google Sign-In (Optional)

If you choose to use Google Drive backup, you will sign in with your Google account. Google Sign-In may collect:

• Your Google account information (name, email)
• Authentication tokens

This information is used solely to authenticate you with Google Drive for backup purposes. We do not access or store your Google account credentials.

Google Privacy: Google's data collection and usage are governed by Google's Privacy Policy: https://policies.google.com/privacy

5.4 Third-Party Services Summary

Service	Purpose	Data Collected	Shared With Us
Google AdMob	Display ads (free users only)	Advertising IDs, device info	No personal/financial data
Google Play Billing	Process subscriptions	Purchase info, payment (handled by Google)	Subscription status only
Google Sign-In	Authenticate for Drive backup	Google account info	No personal/financial data

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6. Subscriptions

6.1 Pro Subscription

Bonik Khata offers optional Pro subscriptions (monthly or yearly) that provide access to additional features:

• Unlimited reminders
• Advanced reports
• Net worth tracking
• App lock features
• Full family expense features
• Islamic finance tools
• No advertisements
• Unlimited backup

6.2 Subscription Data

When you purchase a subscription:

• Purchase Processing: Handled by Google Play Billing
• Verification: Subscription status is verified online with Google Play and cached locally
• Storage: Subscription status and expiry date are stored locally for offline access
• Privacy: We do not have access to your payment information (handled by Google)

6.3 Subscription Management

• Purchase: Through Google Play Store
• Cancellation: Through Google Play Store subscription settings
• Restore: Use "Restore Purchase" feature in app settings to restore subscription on new devices
• Refunds: Handled by Google Play Store refund policies

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7. Permissions Explanation

Bonik Khata requests the following permissions:

7.1 Camera Permission

• Permission: android.permission.CAMERA
• Required: No (optional)
• Purpose: To take a profile photo (only when you explicitly choose to add a photo)
• When Used: Only when you tap to add or change your profile photo
• Data Collected: Profile photo (stored locally only)

7.2 Storage/Photos Permission

• Permission: android.permission.READ_EXTERNAL_STORAGE / READ_MEDIA_IMAGES
• Required: No (optional)
• Purpose: To select a profile photo from your gallery (only when you explicitly choose)
• When Used: Only when you choose to select a photo from your device gallery
• Data Collected: Profile photo (stored locally only)

7.3 Notifications Permission

• Permission: android.permission.POST_NOTIFICATIONS
• Required: Yes (for reminder notifications)
• Purpose: To send you reminder notifications for financial tasks
• When Used: When you set up reminders in the app
• Data Collected: None (permission only, no data collected)

7.4 Exact Alarm Permission

• Permission: android.permission.SCHEDULE_EXACT_ALARM
• Required: Yes (for reminder notifications)
• Purpose: To schedule exact reminder notifications at specific times
• When Used: When you set up reminders with specific times
• Data Collected: None (permission only, no data collected)

Important: The App can function without camera and storage permissions. These are only needed if you want to add a profile photo.

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8. Data Sharing

8.1 We Do NOT Share Your Data

We do NOT share your personal or financial information with:

• Third-party advertisers (except AdMob for free users, see section 5.1)
• Data brokers
• Analytics services
• Social media platforms
• Other apps
• External servers (except optional Google Drive backup)

8.2 Limited Exceptions

Your data may be shared only in these limited circumstances:

1. Google Drive Backup (Optional): If you choose to backup to Google Drive, backup files are uploaded to your personal Google Drive account. This is your data, stored in your account, and we do not access it.
2. Legal Requirements: We may disclose your information if required by law or in response to valid legal requests (e.g., court orders, subpoenas).
3. Service Providers: We use Google Play Billing and Google AdMob as service providers. These services have their own privacy policies and may collect data as described in section 5.

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9. Your Rights & Choices

9.1 Access Your Data

You can access all your data directly within the App. All financial records, user profile, and settings are accessible through the App's interface.

9.2 Modify Your Data

You can modify or update your data at any time:

• Edit your user profile (name, email, phone, photo)
• Edit or delete financial records
• Update app settings and preferences

9.3 Delete Your Data

You can delete your data in the following ways:

• Individual Records: Delete individual income, expense, or ledger entries through the App
• All Data: Uninstall the App to delete all data stored locally
• Profile Photo: Delete your profile photo through the profile settings

9.4 Export Your Data

You can export your data:

• Backup Feature: Use the in-app backup feature to create a local backup file
• Google Drive Backup: Optionally upload backup files to your Google Drive account

9.5 Opt-Out of Ads

• Upgrade to Pro: Subscribe to Pro to remove all advertisements
• Device Settings: Opt out of personalized advertising through your device's Google Account settings

9.6 Manage Subscriptions

• Cancel: Cancel your subscription through Google Play Store settings
• Restore: Use "Restore Purchase" in app settings to restore subscription on new devices

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10. Children's Privacy

Bonik Khata is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at nurkarim.ajra@gmail.com, and we will delete such information.

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11. International Users

Bonik Khata is designed to work offline and stores all data locally on your device. If you use optional features like Google Drive backup, your data may be stored on Google's servers according to Google's data storage policies.

If you are located outside your country of residence, please be aware that:

• Your data is primarily stored locally on your device
• Optional Google Drive backups are subject to Google's data storage locations
• We comply with applicable data protection laws

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12. Data Breach Notification

In the unlikely event of a data breach affecting your personal information, we will:

1. Notify affected users as soon as possible
2. Provide details about what information was affected
3. Explain steps we are taking to address the breach
4. Recommend actions you can take to protect your information

Note: Since Bonik Khata stores data locally on your device, the risk of data breach is minimal. However, if you use Google Drive backup, you should follow Google's security recommendations for your Google account.

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13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Updating the "Last Updated" date at the top of this Privacy Policy
• Posting the new Privacy Policy in the App
• Notifying you through the App if significant changes are made

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

Continued Use: Your continued use of the App after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

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14. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Email: nurkarim.ajra@gmail.com

Response Time: We aim to respond to all inquiries within 7 business days.

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15. Compliance & Legal

15.1 Google Play Requirements

This Privacy Policy complies with Google Play's User Data & Privacy Policy requirements. We are committed to:

• Transparency about data collection and usage
• User control over their data
• Security of user information
• Compliance with applicable laws and regulations

15.2 GDPR Compliance (EU Users)

If you are located in the European Union, you have additional rights under the General Data Protection Regulation (GDPR):

• Right to Access: You can access all your data through the App
• Right to Rectification: You can modify your data at any time
• Right to Erasure: You can delete your data by uninstalling the App
• Right to Data Portability: You can export your data using the backup feature
• Right to Object: You can opt out of ads by upgrading to Pro
• Right to Restrict Processing: Your data is processed locally on your device

Legal Basis: We process your data based on:

• Consent: You provide data voluntarily when using the App
• Contract: Processing is necessary to provide the App's functionality
• Legitimate Interest: Local storage and processing for app functionality

15.3 California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: This Privacy Policy discloses what data we collect
• Right to Delete: You can delete your data by uninstalling the App
• Right to Opt-Out: You can opt out of ads by upgrading to Pro
• Right to Non-Discrimination: We do not discriminate against users who exercise their privacy rights

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16. Summary

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Thank you for using Bonik Khata. We are committed to protecting your privacy and providing you with a secure, offline-first personal finance management experience.