Last Updated: 09 March 2026

Privacy Policy

Your financial data stays on your device. Always.

1. Introduction

Rupee Book (the "App", "we", "us", or "our") is a personal finance and expense management mobile application developed exclusively for users in India. The App is designed to help individuals track expenses, create budgets, generate financial reports, and gain valuable insights into their spending habits in a simple and secure manner.

We are deeply committed to protecting your privacy and ensuring the highest standards of confidentiality and security for your financial information. This Privacy Policy has been prepared in accordance with the Digital Personal Data Protection Act, 2023 ("DPDP Act"), the Information Technology Act, 2000, and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

Our foundational principle is privacy by design. All transaction processing, categorization, and storage occur entirely on your personal device. We do not operate any servers that collect, store, or process your personal or financial data.

2. Information We Collect

Rupee Book follows a strict data-minimization approach. We collect and maintain no personal or financial data on any external servers. No analytics tools, advertising SDKs, or tracking mechanisms are present in the App.

📩 SMS Permission (Optional)

We request SMS access to automatically detect bank alerts, UPI transactions, NEFT/IMPS transfers & credit card spends, helping generate your expense records.

Important: All processing happens locally on your device. Raw SMS is never uploaded. Only extracted data (amount, date, category) is saved in your local database.

📞 Call Log Permission (Optional)

This permission is required solely for the Voice OTP login feature. When you choose to log in via Voice OTP, the app accesses your call log on your device to verify that the incoming call matches the verification number sent by our system.

Important: This check is performed locally in real time to confirm your identity securely and prevent fraud. Your call history is never uploaded to our servers, stored, or used for any other purpose.

📍 Location Permission (Optional)

Optional permission for location-aware expense tagging.

Important: Location data is used temporarily on-device only.

📸 Camera Permission (Optional)

Allow camera access so you can take a photo for your profile avatar.

Important: The photo is processed locally and never uploaded.

You can grant, deny, or revoke any permission at any time through your device settings. The App works fully in manual mode even without these permissions.

3. How We Use Your Information

All information is processed locally on your device for automatic categorization, generating reports, budgets, charts, and providing financial insights.

4. Legal Basis for Processing

Based on your explicit consent via device permissions under the DPDP Act, 2023. You may withdraw consent anytime.

5. Data Sharing and Disclosure

We do not sell, share, or disclose any data to third parties. Zero data leaves your device.

6. Data Security

Industry-standard local encryption + secure coding practices. We recommend device-level security (passcode/biometrics).

7. Data Retention

Your data lives only on your device for as long as you keep it. Delete anytime via app or device settings.

8. Your Rights under the DPDP Act, 2023

  • Right to access, correction, erasure, and withdrawal of consent
  • Right to grievance redressal

9. Grievance Redressal Mechanism

Grievance Officer: Privacy Team
Email: privacy@rupeebook.click

10. Children's Privacy

Not intended for children under 18. Any inadvertent data will be deleted immediately.

11. Changes to This Privacy Policy

Updates will be posted in the App with a new effective date. Continued use constitutes acceptance.

12. Governing Law and Jurisdiction

Governed by the laws of India. Disputes subject to courts in Bangalore, Karnataka.

Contact Us

Email

help@rupeebook.click

Phone

+91 9266621536

Address

110-H, 329/88, Borewell Road, Whitefield, , Banglore, Karnataka, India - 560066

Website

www.rupeebook.click

© 2026 RupeeBook. All rights reserved.

Built with ❤️ for your financial privacy