1. Introduction
Byaj Batta ("we", "our", "us") is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, store, and protect your information when you use our loan management platform.
2. Information We Collect
We collect the following types of information:
- Account Information: Name, email address, phone number, business name, and password when you register.
- Business Data: Customer records, loan details, repayment schedules, collection data, and financial reports that you enter into the platform.
- Payment Information: Subscription payment details processed through Razorpay. We do not store your card details.
- Usage Data: Browser type, IP address, pages visited, and features used for analytics and improvement.
- Device Information: Device type, operating system, and app version when using our mobile app.
3. How We Use Your Information
- To provide and maintain the Byaj Batta platform and its features.
- To process your subscription payments through Razorpay.
- To send important service updates, security alerts, and support messages.
- To improve our platform based on usage patterns and feedback.
- To generate reports and documents (loan statements, collection sheets, etc.) as requested by you.
- To comply with legal obligations and regulatory requirements.
4. Data Storage & Security
Your data is stored on secure cloud servers. Each tenant (business account) gets an isolated database schema, ensuring complete data separation between organizations. We implement:
- Encryption of data in transit (SSL/TLS) and at rest.
- Regular automated backups.
- Role-based access control within each tenant.
- JWT-based authentication with secure token management.
5. Data Sharing
We do NOT sell your data. We may share information only in these cases:
- Payment Processing: With Razorpay for processing subscription payments.
- Legal Requirements: When required by law, court order, or government authority.
- Service Providers: With trusted hosting and infrastructure providers who help us run the platform, under strict confidentiality agreements.
6. Your Rights
As a user, you have the right to:
- Access and download your business data at any time.
- Request correction of inaccurate data.
- Request deletion of your account and associated data.
- Opt out of non-essential communications.
7. Cookies
We use essential cookies and local storage for authentication and session management. We do not use third-party tracking cookies or advertising cookies.
8. Data Retention
We retain your data for as long as your account is active. Upon account deletion, your data will be permanently removed within 30 days, except where retention is required by law.
9. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes via email or an in-app notification. Continued use of the platform after changes constitutes acceptance.
10. Contact Us
For any privacy-related questions or requests, please contact us:
Byaj Batta is an Indian loan-management platform.