Privacy Policy

Your financial data is private to your account. We do not sell it, and you can request account deletion from inside Hisaab.

1. Who we are

Hisaab is operated by Ankverse Global Consultancy FZCO, Dubai, United Arab Emirates ("Ankverse", "we", "us", or "our"). Our India correspondence office is at M3M IFC, Golf Course Road, Gurugram, Haryana, India. This policy explains what we process, why, where processing may occur, and how you can exercise your rights.

2. What we collect

When you sign up, we collect your email and a securely hashed password. When you use Hisaab you also store transactions (amount, date, category, vendor, notes), optional invoice photos you upload, categories you create, budgets, goals, accounts, and recurring rules you set.

3. Where it lives

Hisaab uses managed cloud database, authentication, storage, email, payment, analytics, notification, and AI infrastructure. These providers and their subprocessors may store or process data in the United States, European Economic Area, United Arab Emirates, or other countries outside India. Privacy protections and lawful-access rules may differ between countries. We use contractual and technical safeguards appropriate to the service and limit providers to data needed for their role.

Account and financial records are access-controlled and encrypted in transit and at rest where supported. Household information is visible to invited members according to the sharing features used. A private share link may expose selected information to anyone with both the link and PIN, so share these carefully.

4. AI processing

When you use chat, voice logging, Ask Hisaab, invoice reading, statement importing, or AI insights, content needed to answer or extract information may pass through Lovable's AI infrastructure to model providers such as Google or OpenAI. This may include prompts, transaction context, audio, invoice images, or statement text, and processing may occur outside India and the UAE.

Hisaab stores the entries and chat history you choose to save. Provider-side operational logs, abuse monitoring, or limited retention may apply under provider terms. Do not upload unnecessary identity numbers, full payment-card details, passwords, or documents you are not authorised to process. Always review AI output.

5. What we do not do

• We do not sell or rent your financial data.
• We disclose data to service providers only as needed to operate requested features, process payments, secure Hisaab, communicate with you, and comply with law.
• We do not show third-party advertising inside the app.
• We do not connect to your bank account directly — you choose what to upload or paste.

6. Your rights under the DPDP Act

You have the right to access, correct, and erase your personal data, and to nominate someone to exercise these rights on your behalf. You can:

• Delete any transaction, budget, category, goal, or uploaded invoice from inside the app at any time.
• Request full account deletion from Settings → Data & Privacy → Delete my account. We hold the account for 30 days so you can change your mind, then permanently erase all your data.
• Contact the Grievance Officer at connect@ankverse.com, or write to M3M IFC, Golf Course Road, Gurugram, Haryana, India.

7. Cookies & analytics

Hisaab uses cookies and local storage for sign-in, security, preferences, and essential functions. We also collect limited product events, such as page visits, signup progress, and first-entry completion. We do not intentionally send transaction descriptions, invoice contents, or statement contents to product analytics.

8. Children

Hisaab is not directed at children under 18 and we do not knowingly process their data.

9. Retention and legal disclosures

We keep account data while your account is active and for the recovery period described in Hisaab. Billing, security, dispute, tax, and legal records may be retained longer where required or reasonably necessary. We may disclose information if required by law, court order, lawful government request, or to protect users, Ankverse, or the public.

10. Changes

If this policy changes, we'll update the effective date at the top and notify you inside the app the next time you sign in.

Legal review required: This draft is not legal advice. Qualified UAE and Indian counsel should review it before publication, particularly the cross-border transfer, children, retention, grievance, payment, and consumer-law provisions.