Privacy Policy

This Privacy Policy describes how CredsFlo ("we", "our", "the App") collects, uses, and protects your information when you use the CredsFlo mobile application for Android and iOS devices.

By downloading and using the CredsFlo app, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use the App.

1. Information We Collect

1.1 Information You Provide

• Account Information: When you register or log in, we may collect your name, mobile number, email address, and business/store details (such as business name, address, GSTIN).
• Business Data: Data you enter into the app, including but not limited to products, inventory, invoices, bills, customers, suppliers, purchases, expenses, and reports. This data is used to provide the app's core functionality.

1.2 Information Collected Automatically

• Device Information: We may collect basic device information such as operating system version, device model, and app version to improve app performance and fix bugs.
• Usage Data: Anonymous usage statistics may be collected to understand how the app is used and to improve features.

1.3 Permissions We Request

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the core features of CredsFlo (billing, inventory, customer management, reporting).
• Authenticate your account and secure your data.
• Enable backup and restore of your business data when you request it.
• Send notifications you have enabled (e.g., payment reminders).
• Respond to your support requests and feedback.
• Detect, prevent, and address technical issues or misuse.

We do not sell, rent, or trade your personal or business data to third parties.

3. Data Storage & Security

• Local Storage: Most of your business data (products, customers, invoices, reports) is stored locally on your device. This data stays on your device unless you explicitly choose to back it up or share it.
• Backup & Restore: If you choose to create a backup, the backup file is generated on your device and shared to a location you select. You are responsible for storing backup files securely.
• Server Data: If you register an account and sync with our servers, we store your account credentials and data you explicitly sync in secured databases with industry-standard encryption in transit (HTTPS/TLS).
• Biometric Data: Biometric authentication uses your device's built-in biometric APIs (e.g., Android BiometricPrompt / iOS FaceID/TouchID). Biometric data never leaves your device and is never stored by us.

While we take reasonable measures to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

4. Data Sharing & Disclosure

We do not share your personal or business data with third parties except:

• Service Providers: Trusted third-party service providers who assist us in operating our services (e.g., cloud hosting, email delivery) and who are bound by confidentiality agreements.
• Legal Compliance: When required by law, regulation, legal process, or governmental request.
• Consent: When you explicitly consent to share data (e.g., PDF invoices you share yourself via WhatsApp/email).

5. Third-Party Services

The App may contain links to or integrations with third-party services (such as WhatsApp, Email, Google Drive). When you use these integrations to share files, you are subject to that third party's own privacy policies. We are not responsible for the practices of third-party services.

6. Children's Privacy

CredsFlo is intended for business use by adults (18+). We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, contact us and we will delete it.

7. Your Rights & Choices

• Access & Control: You can access, update, or delete most of your business data directly within the App.
• Delete Account: You may request deletion of your account and associated data by contacting us. Business data stored only on your device can be deleted by uninstalling the app or clearing app data.
• Opt-out of Notifications: You can disable notifications at any time from the App settings or your device settings.
• Withdraw Consent: You can stop biometric login at any time from App settings.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this page and notify you through the App where appropriate. Your continued use of the App after changes constitutes acceptance of the revised policy.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact us at:

10. Consent

By downloading, installing, or using the CredsFlo app, you consent to the collection and use of your information as described in this Privacy Policy.