Privacy Policy
How SmartABCD collects, uses and protects your information — in plain English.
TL;DR — the short version
- We store your account details and the planning data you create — budgets, lists, prices, wishlist items — plus any images you choose to upload (receipts, products).
- We never ask for or store bank accounts, card numbers or UPI PINs. Payments are handled entirely by Razorpay.
- Private budgets are truly private — invisible even to your family admin.
- We don't sell your data. Ever.
- You can access, export and delete your data from inside the app.
1. Information we collect
Account information: your name, email address, mobile number, and optionally a profile photo, gender, date of birth, preferred language and currency. If you sign in with mobile OTP, we process your number to deliver the code.
Financial planning data: the budgets, shopping lists, items, estimated and actual prices, wishlist entries, discipline goals and notes you create in the app. This is planning data you type in yourself — SmartABCD does not connect to, read from, or store any bank account, card, or UPI information.
Images: receipts, price labels and product photos that you choose to capture or upload. We process them (e.g. OCR to read a bill) to provide app features. We never access your gallery beyond what you select.
Family group data: the family groups you create or join, member roles, invitations, approvals and the lists/budgets shared within the group.
Device & technical data: a push-notification device token, app version, device model and OS version, and basic diagnostic logs used to fix crashes and abuse.
Payment data: when you subscribe, payment is processed by Razorpay. We receive only the transaction reference, plan, amount and status — we never receive or store your card number, CVV or UPI PIN.
2. How we use your information
- To provide the service: budgets, lists, Shopping Guard sessions, reports, the Discipline Score, family sync and reminders.
- To send notifications you've enabled (budget alerts, wishlist reminders, approval requests) and one-time passwords.
- To improve the product using aggregated, de-identified usage patterns.
- To provide support when you contact us, and to prevent fraud and abuse.
- To process subscription payments through Razorpay and maintain billing records required by law.
We do not sell your personal data, and we do not share your financial planning data with advertisers or data brokers.
3. Family visibility rules
- Budgets and lists you set to family visibility are visible to your family group according to each member's role.
- Budgets marked private are visible only to you. They are excluded from family reports, shared totals and every other member's app — including the family admin's.
- Selected members visibility shares only with the members you pick.
- Child-role members see only shared lists and their own wishlist requests.
4. Storage & security
Your data is stored on secured cloud servers. All traffic between the app, the website and our servers is encrypted with HTTPS/TLS. Passwords are stored as salted hashes, never as plain text; PINs used for budget locks are hashed the same way. Access to production data is limited to authorised personnel and logged.
No system is 100% secure, but if we learn of a breach affecting your data we will notify you and the relevant authorities as required by law.
5. Data retention
We keep your data while your account is active. If you delete your account, personal data and uploaded images are removed within 30 days, except records we must retain by law (e.g. payment/tax records, kept for the statutory period) and minimal logs kept for security. De-identified aggregate statistics may be retained.
6. Your rights
- Access & correction: view and edit your profile and data in the app at any time.
- Export: request a portable export of your budgets, lists and reports from Settings or via support.
- Deletion: delete individual items, images, or your entire account from Settings → Account → Delete account. Deleting your account removes your budgets, lists, wishlist and uploaded images as described in section 5.
- Notification choices: every notification category can be switched off in Settings.
7. Children
The child role in a family group is created and managed by a parent or guardian (the family admin), who controls what the child can see and request. Children's accounts cannot make purchases or payments and their wishlist requests require parental approval. SmartABCD is not directed at children outside this family-managed context; if you believe a child is using SmartABCD independently, contact us and we will remove the account.
8. Third-party services
- Razorpay — payment processing. Your payment details are collected directly by Razorpay under its own privacy policy.
- Firebase Cloud Messaging (Google) — delivery of push notifications via your device token.
- Cloud hosting & storage providers — used to run our servers and store uploaded images securely.
These providers process data only to provide their service to us, under their own contractual and legal obligations.
9. Cookies on this website
The smartabcd.com website uses no tracking cookies and no third-party analytics. At most, minimal technical storage may be used to remember basic preferences. The website makes no requests to third-party servers.
10. Grievance officer (India)
In accordance with the Information Technology Act, 2000 and rules made thereunder, the contact details of the Grievance Officer are:
Name: [Grievance Officer name — to be appointed]
Entity: Ametecs
Email: support@smartabcd.com
Address: [Registered address, India]
We aim to acknowledge grievances within 24 hours and resolve them within 15 days.
11. Changes to this policy
We may update this policy as the product evolves. Material changes will be announced in the app and on this page, with the effective date updated above. Continued use after changes take effect means you accept the updated policy.
12. Contact
Questions about privacy? Email support@smartabcd.com — a human reads every message.