Privacy Policy

Last updated: July 2026

KistBook ("hum", "hamara", "app") ek business tool hai jo mobile aur retail shop owners ko apne customers ki EMI/udhaar payment track karne me madad karta hai. Ye policy batati hai ki hum kaunsa data collect karte hain, kaise use karte hain, aur kaise protect karte hain.

Sabse zaroori baat: KistBook khud paisa udhaar nahi deta, loan approve nahi karta, ya koi financial service nahi provide karta. Ye sirf ek record-keeping (bahi-khata) tool hai — shop owner apne khud ke customers ka hisaab track karta hai.

1. Hum Kya Data Collect Karte Hain

Do tarah ka data hai jo app collect karta hai:

Shop Owner ka data: Mobile number (login/OTP ke liye), PIN (app lock ke liye), business settings (EMI policy)
Customer ka data (shop owner khud enter karta hai): Naam, phone number, address, mobile model, IMEI number, payment amount, payment history, aur (agar shop owner add kare) customer ki photo

2. Data Kaise Store Hota Hai

Sara data Google Firebase (Google Cloud infrastructure) par encrypted store hota hai. Har shop ka data poori tarah alag (isolated) rakha jaata hai — koi doosra shop owner kisi aur ka data nahi dekh sakta.

3. Data Kaise Use Hota Hai

App ke features chalane ke liye (installment tracking, due date calculation, reports)
WhatsApp par payment confirmation bhejne ke liye (sirf shop owner ke manual action se, automatic nahi)
Login verify karne ke liye (OTP)

Hum kisi bhi data ko bechte nahi hain, aur na hi kisi third-party advertiser ko share karte hain.

4. Data Kis Ke Saath Share Hota Hai

Data sirf in services ke saath share hota hai, jo app ko chalane ke liye zaroori hain:

Google Firebase — data storage aur authentication ke liye
Razorpay — subscription payment process karne ke liye (sirf payment info, customer ka koi data nahi)

5. Data Delete Karwana

Agar aap apna account ya data delete karwana chahte hain, hume WhatsApp par contact karo: +91 98292 00532. Hum aapki request par 7 din ke andar data permanently delete kar denge.

6. Bachon Ka Data

KistBook business-use ke liye hai aur 18 saal se kam umar ke logon ke liye design nahi kiya gaya hai. Hum jaan-boojh kar bachon ka data collect nahi karte.

7. Security

Data ko unauthorized access se bachane ke liye PIN protection, encrypted cloud storage, aur access-control rules use kiye gaye hain. Phir bhi, koi bhi online system 100% risk-free nahi hota — apna PIN aur mobile number secure rakhna aapki bhi zimmedaari hai.

8. Policy Me Changes

Ye policy samay-samay par update ho sakti hai. Koi bhi major change hone par is page par naya date dikhaya jayega.

9. Contact

Kisi bhi sawaal ke liye: WhatsApp par +91 98292 00532