Privacy Policy

Last updated: March 22, 2026

1. Introduction

Chaaq ("we", "our", "us") respects your privacy and is committed to protecting your personal data. This policy explains how we collect, use, and safeguard your information when you use the Chaaq mobile application.

2. Information We Collect

Account Information: Phone number (for authentication), display name, and avatar preferences.
Financial Data: Expense descriptions, amounts, currencies, group memberships, chit fund participation data, and settlement records that you voluntarily enter.
Device Information: Device type, operating system version, and app version for crash reporting and compatibility.
Usage Data: Anonymous analytics to improve app performance and user experience.

3. How We Use Your Information

To provide and maintain the Chaaq service.
To authenticate your identity via phone number verification.
To sync your expense, group, and chit fund data across your devices.
To send payment reminders you initiate.
To improve app performance and fix bugs.

4. Data Storage & Security

Your data is stored securely using Google Firebase/Firestore with encryption in transit and at rest. We do not store payment credentials, bank account details, or credit card information on our servers. Payment processing (when applicable) is handled entirely by third-party payment service providers (Stripe and/or Razorpay) who maintain their own security standards and PCI DSS compliance.

5. Data Sharing

We do not sell, trade, or rent your personal information to third parties. We may share data only in these circumstances:

With other Chaaq users you explicitly choose to split expenses or participate in chit funds with.
With service providers who assist in operating the app (Firebase, analytics), bound by confidentiality agreements.
When required by law or to protect our legal rights.

6. Your Rights (GDPR / CCPA)

You have the right to access, correct, delete, or export your personal data. To exercise these rights, contact us at info@chaaq.app.

7. Children's Privacy

Chaaq is not intended for users under 13 years of age.

8. Changes to This Policy

We may update this policy periodically. Changes will be posted within the app and on this page.

9. Contact Us

Questions? Reach us at info@chaaq.app.