Privacy Policy

1. Introduction

Vibhajan ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you provide to us, including:

• Name and contact information (email address, phone number)
• Account credentials
• Profile information
• Payment information (processed securely through third-party providers)

2.2 Financial Information

To provide expense splitting services, we collect expense records, group and friend information, and balance and settlement information.

2.3 Technical Information

We may automatically collect device information, usage analytics, and IP address / approximate location data.

3. How We Use Your Information

• Provide and maintain our services
• Process transactions and manage expenses
• Send notifications and updates
• Improve the app and user experience
• Ensure security and prevent fraud
• Comply with legal obligations

4. Data Sharing and Disclosure

We do not sell your personal information. We may share information only with your consent, with trusted service providers, when required by law, or in connection with a business transfer.

5. Data Security

We implement industry-standard measures including encryption in transit and at rest, secure authentication, access controls, and regular security reviews.

6. Your Rights

You may access, correct, delete, or export your data, and opt out of certain communications.

7. Data Retention

We retain information as long as needed to provide services and meet legal obligations. You can request account deletion at any time.

8. Children's Privacy

Our services are not intended for users under 18. We do not knowingly collect personal information from children.

9. International Data Transfers

Your information may be processed outside your country of residence with appropriate safeguards.

10. Changes to This Policy

We may update this policy and will post changes on this page with an updated date.

11. Contact Us

Questions: privacy@vibhajan.com