Privacy Policy

1. Introduction

This Privacy Policy explains how CashSetu ("CashSetu", "we", "our", or "us") handles information when you use the CashSetu mobile application and related services.

CashSetu is a personal finance management application designed to help users record, organize, calculate and understand their financial information.

By using CashSetu, you acknowledge the practices described in this Privacy Policy.

2. Information You Enter into CashSetu

Depending on the features you choose to use, you may enter information such as:

• Income information
• Expenses and transactions
• Assets and liabilities
• Investment and portfolio information
• Financial goals
• Savings information
• Loan and EMI information
• Profile information such as your name or age
• Notification and reminder preferences
• Money Streak and activity information

This information is used to provide the financial tracking, calculation, reporting and personalization features that you choose to use.

3. Local Storage and Offline-First Design

CashSetu is designed primarily as an offline-first application. Financial information entered into the app is intended to be stored locally on your device for the purpose of providing the app's features.

CashSetu does not operate a general-purpose server for storing your personal financial records as part of its normal offline functionality.

Certain features may require an internet connection, such as opening external websites or social media links. Those external services are governed by their own privacy policies.

4. How Your Information Is Used

Information stored within CashSetu may be used locally on your device to provide features such as:

• Expense and income tracking
• Net worth calculations
• Financial goal tracking
• Investment tracking
• Loan and EMI calculations
• Financial reports and PDF generation
• CashSetu Score calculations
• Money Streak and financial habit tracking
• Optional reminders and notifications

CashSetu calculations are based on information available within the app and the information you choose to enter.

5. CashSetu Score

CashSetu may provide a proprietary financial health or financial tracking score based on information entered into the application.

CashSetu Score is not a credit score. It is not issued by a bank, credit bureau, government authority or financial regulator.

CashSetu Score does not represent CIBIL, Experian, Equifax, CRIF or any other credit score, and should not be interpreted as a measure of loan eligibility or creditworthiness.

6. Information Sharing

CashSetu is designed so that your financial information is not sold to third parties.

We do not operate the normal CashSetu financial tracking functionality by sending your locally entered financial records to a CashSetu server.

Information may be shared outside your device only when you explicitly use a feature that requires such sharing, for example:

• Sharing a PDF report using Android's sharing features
• Exporting a CashSetu backup file
• Opening an external website or social media platform
• Using any optional third-party or cloud service that you explicitly enable

7. Backup and Restore

CashSetu may allow you to create and restore backup files containing your financial information.

Backup files should be protected using encryption where the feature is available. You are responsible for protecting backup files that you export, save, share or store outside the app.

Before sharing a backup file with another person or service, you should understand that the file may contain sensitive financial information.

8. Data Security

CashSetu uses reasonable technical measures designed to help protect information stored within the application.

Depending on the features and version of the app, security measures may include:

• Encrypted local data storage where implemented
• Encrypted backup functionality where available
• Android biometric authentication
• Android device credential authentication
• Secure Android platform security features

No method of electronic storage or transmission is completely secure. You should also protect your device using a secure screen lock and keep your operating system updated.

9. Biometric and Device Authentication

CashSetu may use Android's system authentication features, including biometric authentication or your device credential, to help protect access to the application.

CashSetu does not receive, store or process your fingerprint, facial biometric template or device PIN.

Authentication is handled through the security mechanisms provided by the Android operating system.

10. Notifications

CashSetu may offer optional reminders and notifications for features such as:

• Financial reminders
• Daily money checks
• Weekly or monthly reviews
• User-created reminders
• Important backup-related information

Notifications are optional and can be managed through the app and your Android device settings.

CashSetu is designed not to request notification permission unnecessarily when you first install the app.

11. Permissions

CashSetu is designed to request only permissions that are reasonably necessary for features you choose to use.

For example, notification permission may be requested when you choose to enable notifications or reminders on supported Android versions.

CashSetu is not intended to require access to sensitive device information such as your contacts, SMS messages, call logs or precise location for its normal personal finance functionality.

12. External Websites and Links

CashSetu may contain links to external websites, including official government, financial, educational or social media services.

When you leave CashSetu or open an external website, that website's privacy policy and terms may apply.

CashSetu is not responsible for the privacy practices, content or security of third-party websites.

13. Reports and Sharing

CashSetu may allow you to generate reports, including PDF reports, based on information stored within the application.

If you choose to save or share a report, you are responsible for selecting the destination and understanding who may gain access to that information.

14. Your Data and Deletion

CashSetu provides controls that allow you to delete local application data.

Depending on your version of CashSetu, you may find this option under:

Settings → Delete All CashSetu Data

Deleting local application data may permanently remove financial records and other information stored within CashSetu on your device.

Exported backups, reports or files stored outside the app may need to be deleted separately.

15. Data Summary

* This describes CashSetu's normal offline functionality. Information may leave your device when you explicitly export, share, back up to an enabled third-party service, or interact with an external website or service.

16. Children

CashSetu is not specifically directed toward children who are not legally permitted to use the services offered through the application.

If you believe that a child has provided information to CashSetu in a way that requires parental action, please contact us.

17. Changes to This Privacy Policy

We may update this Privacy Policy when CashSetu changes or when legal, technical or operational requirements change.

The latest version will be published on this page. The "Last updated" date at the top of this page indicates when the policy was most recently revised.

18. Financial Information Disclaimer

CashSetu provides personal finance tracking, calculation and informational tools.

Information, calculations, scores, insights or suggestions available in CashSetu are intended for informational and educational purposes.

CashSetu does not guarantee financial outcomes, investment returns, loan approval, savings results or wealth creation.

You should consider consulting a qualified financial, tax, legal or other professional before making significant financial decisions.