Nivesh ("the app") is developed and operated by an individual developer. This policy explains what information the app collects, how it's used, and your choices.
Account information. When you sign in with Google, we receive your name, email address, and profile picture from Google to create and identify your account. We do not receive or store your Google password.
Profile information you enter. Your display name, monthly income, and (optionally) your phone number. Your phone number is only used to match you when another Nivesh user records a personal loan (Udhar) entry against that number, so we can notify you and let you confirm it — see "Udhar (Lending & Borrowing)" below.
Investment data you enter. Details you add about your investments (recurring/fixed deposits, amounts, interest rates, tenure, banks, and the people you track investments for), your monthly budget (income and expenses), and any notes you add. This data is stored securely in Google Firebase (Firestore) and is private to your account, unless you explicitly choose to share a specific investment with another Nivesh user by email.
Udhar (Lending & Borrowing) data. If you use the Udhar feature to track money lent to or borrowed from another person, we store the person's name, the amount, date, an optional note, an optional promised repayment date, and — if you provide it — their phone number. If that phone number matches another Nivesh user's registered number, they receive a notification and a pending request they can Accept or Reject; only on acceptance does the transaction appear in their own ledger (with the direction reversed to reflect their side of it). If you set a promised repayment date, both you and the other person (once they've accepted) receive reminder notifications as that date approaches. You may optionally attach a photo or PDF as proof for a transaction; this file is uploaded to Firebase Storage and is private to your account, accessible only via a private link stored on your own transaction record.
Committee (group savings) data. If you create or join a Committee, we store the group name, monthly contribution amount, each member's name and phone number, the fixed turn order, and each round's payment status (marked paid, verified, or rejected) including any UPI reference or proof screenshot submitted. If the organiser invites someone by phone number or email and they have a Nivesh account, that person receives a notification and can accept or decline; the group only appears in their own account, linked to their own user ID, after they accept. A member added without a linked Nivesh account is tracked only inside the organiser's own account, the same as an Udhar entry for someone who isn't on the app. Nivesh never processes or has access to the actual payments between members — see our Terms & Conditions for details.
Contacts (optional). If you tap "pick from contacts" when adding an Udhar entry or a Committee member's phone number, the app opens Android's built-in contact picker. We only read the name and phone number of the single contact you select — the app does not read, store, or upload your full contacts list.
Notification access (optional, off by default). If you turn on "Auto-track Expenses" in Settings, you'll be asked to grant Nivesh access to your device's notifications. When this is on, the app scans incoming notifications on your device for patterns that look like a bank debit/credit message (e.g. "Rs.500 debited"). Notifications that don't match this pattern are never read into, stored, or transmitted anywhere by the app. For a notification that does match, only the parsed amount and transaction type (income/expense) are saved to your Expense log in Firebase — the raw notification text itself is never stored or sent off your device. You can turn this off at any time in Settings, and separately revoke notification access for Nivesh in your device's system settings.
Device and usage information. Standard technical information such as device type, app version, and crash/error logs, used to keep the app working correctly.
Advertising identifiers. The app shows ads via Google AdMob, which may collect an advertising identifier and related data to show and measure ads. See Google's own privacy policy for how AdMob handles this data: https://policies.google.com/privacy
We do not sell your personal information to third parties.
Your investment, budget, Udhar, and Committee data is private to your account. We only share data with:
Your data is retained as long as your account is active. Deleted investments are moved to a "Recently Deleted" area and can be permanently removed from there. To request full deletion of your account and all associated data (including Udhar entries, Committee memberships, and proof attachments), contact us using the details below.
Nivesh is not directed at children under 13, and we do not knowingly collect personal information from children under 13.
We may update this privacy policy from time to time. Changes will be posted on this page with an updated "Last updated" date.
If you have questions about this privacy policy or your data, contact: support@asnivesh.in