Privacy Policy

Introduction

Welcome to Balance ("Balance", "we", "our", or "us").

Your privacy is important to us. This Privacy Policy explains what information we collect, how we use it, and the choices you have regarding your data when using the Balance mobile application and website.

By using Balance, you agree to this Privacy Policy.

Information We Collect

Account Information

When you create an account, we may collect:

• Name
• Email address
• Profile photo (if provided)
• Authentication provider information (Google Sign-In, Apple Sign-In)

Financial Information You Enter

Balance allows you to manually track personal finances. Information you may enter includes:

• Income
• Expenses
• Categories
• Notes
• Account balances
• Savings balances
• Credit card balances
• Fixed expenses
• Recurring bills
• Attachments and receipts

This information is provided by you solely for personal financial tracking.

Device Information

To improve reliability and security, we may collect:

• Device model
• Operating system version
• App version
• Device identifiers
• Crash reports
• Performance diagnostics

Usage Information

We may collect information about how the app is used, including:

• Features accessed
• Screens viewed
• App interactions
• Session information

This information helps improve product quality and user experience.

How We Use Your Information

We use information to:

• Provide and maintain the service
• Authenticate users
• Sync data across devices
• Improve app performance
• Fix bugs and crashes
• Respond to support requests
• Protect against abuse and fraud
• Comply with legal obligations

Data Storage

Your information may be stored securely on cloud infrastructure used by Balance.

We implement reasonable administrative, technical, and organizational safeguards to protect your data.

No method of transmission or storage is 100% secure, but we strive to use commercially acceptable means to protect your information.

Data Sharing

We do not sell your personal information.

We may share information only in the following circumstances:

Service Providers

We may use trusted third-party providers for:

• Authentication
• Cloud hosting
• Database services
• Analytics
• Crash reporting

These providers may access information only as necessary to perform services on our behalf.

Legal Requirements

We may disclose information if required by law, regulation, legal process, or governmental request.

Analytics

Balance may use analytics tools to understand app performance, feature usage, and stability. Analytics information is generally aggregated and used to improve the product.

On our website, Google Analytics cookies are only set after you click “Accept” on our cookie banner. You can change or withdraw this choice at any time using “Cookie settings” in the website footer. See our Cookie Policy for details.

Advertising

Balance may display advertisements in certain versions of the application. Advertising providers may collect limited device and usage information in accordance with their own privacy policies.

We do not sell your financial data to advertisers.

Data Retention

We retain your information for as long as your account remains active or as necessary to provide services and comply with legal obligations.

You may request deletion of your account at any time.

Account Deletion

You may delete your account from within the application settings or by contacting support. Upon deletion:

• Personal account information will be removed
• Financial records associated with your account will be deleted, subject to legal or operational requirements
• Some backup copies may remain temporarily for security and recovery purposes

Children's Privacy

Balance is intended for users aged 18 and above. In line with the Digital Personal Data Protection Act, 2023, we do not knowingly process personal data of children (persons under 18) without verifiable consent of a parent or lawful guardian, and we do not track, behaviourally monitor or target advertising at children.

If we become aware that a child's personal data has been collected without such consent, we will delete it. Parents or guardians can contact our Grievance Officer below.

Your Rights

We process your personal data on the basis of your consent, which you give when you create an account or accept analytics cookies on our website. Under the Digital Personal Data Protection Act, 2023 (“DPDP Act”) and applicable law, you have the right to:

• Access a summary of the personal data we process about you and the processing activities, and the identities of those we have shared it with
• Correct, complete and update inaccurate or incomplete personal data
• Erase your personal data, unless we are required by law to keep it
• Withdraw consent at any time, as easily as you gave it. Withdrawal does not affect processing done before it. You can delete your account in the app, or change website cookie choices via “Cookie settings”
• Nominate another person to exercise these rights on your behalf in the event of your death or incapacity
• Grievance redressal through our Grievance Officer, as described below
• Export your data from the app

To exercise any of these rights, email our Grievance Officer. We may need to verify your identity before acting on a request.

Grievance Officer

If you have a concern or complaint about how we handle your personal data, please contact our Grievance Officer:

Grievance Officer, Clarzen Technologies
Email: support@balanceapp.in (subject: “Data Protection Grievance”)

We will acknowledge your grievance within 48 hours and aim to resolve it within 30 days of receipt.

If you are not satisfied with our response, you may file a complaint with the Data Protection Board of India under the DPDP Act, after first using the grievance process above.

Changes to This Policy

We may update this Privacy Policy from time to time. Any updates will be posted on this page with a revised "Last Updated" date.

Contact Us

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

Balance - Expense Tracker & Money Manager

Email: support@balanceapp.in

Website: balanceapp.in