This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Nidhi mobile application (the "Service") and tells You about Your privacy rights and how the law protects You.
We use Your Personal data only to provide and improve the Service. By using Nidhi, You agree to the collection and use of information in accordance with this Privacy Policy. All your financial records (income, expenses, categories, accounts) are stored exclusively on your device using an encrypted local database. We never access, sell, or transmit your financial data to external servers.
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Account means a unique account created for You to access our Service or parts of our Service (optional Google Sign-In).
Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Application refers to Nidhi, the software program provided by the Company.
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Nidhi.
Country refers to: Karnataka, India.
Device means any device that can access the Service such as a smartphone or a digital tablet.
Personal Data is any information that relates to an identified or identifiable individual. For Nidhi, this includes: first name and last name (optional offline profile), email address (only if you sign in with Google), and Usage Data.
Service refers to the Nidhi Application.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, crash reports or diagnostic data).
You means the individual accessing or using the Service, or the legal entity on behalf of which such individual is accessing the Service.
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
Important: Nidhi does not collect your financial transaction data (amounts, categories, accounts). All financial records remain in the local Room database on your device. We have no servers that store your income or expense information.
If you choose to enable backup and restore via Google Drive, Nidhi uses Google Sign-In. When you sign in, we receive your name, email address, and profile picture URL. Your transaction data is never stored on our servers — it remains on your device or inside your private Google Drive (if you initiate backup). You may sign out at any time, and all backup data stays under your Google account control.
Usage Data is collected automatically when using the Service. This may include information such as Your Device's Internet Protocol address (e.g. IP address), device type, operating system version, unique device identifiers, diagnostic data, and interaction with the app (e.g., feature usage). We use this data only to improve stability and performance; we do not sell or share it with advertisers.
When You use the screenshot import feature, images are processed locally using on-device Optical Character Recognition (OCR). No image or extracted text is ever uploaded to any external server. The extracted data (amount, date, description) is only used to pre‑fill the transaction form for your convenience.
Nidhi allows you to transfer transaction data between devices using QR codes. This transfer occurs directly between devices — no intermediate servers or cloud storage are involved. The receiving device reconstructs the data locally.
The Company may use Personal Data for the following purposes:
We do not sell or rent your personal information. We may share Your information only in the following situations:
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. Since financial data stays on your device, you control its deletion. Usage Data may be retained for a shorter period unless needed for security or legal compliance.
Your information, including Personal Data, may be processed at the Company's operating offices or via Google’s infrastructure (when using optional Google Sign-In). Your consent to this Privacy Policy represents Your agreement to that transfer. The Company will take steps to ensure that your data is treated securely and in accordance with this Privacy Policy.
You have the right to delete or request that We assist in deleting the Personal Data that we have collected about You. Within Nidhi, you can:
Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
The security of Your Personal Data is important to Us. Nidhi stores financial records in an encrypted Room database on your device. Data transmitted during optional Google Drive backup uses industry-standard TLS encryption. However, remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.
Our Service may contain links to other websites that are not operated by Us (e.g., support resources, GitHub). If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this Privacy Policy.
We will let You know via email (if you provided one) and/or a prominent notice within the application, prior to the change becoming effective. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
If you have any questions about this Privacy Policy, You can contact us: