Privacy Policy

1. Introduction

Kaise Hoga ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal and financial information when you use our personal finance planning service.

2. Information We Collect

2.1 Account Information

• Email address (used for login and communication)
• Name
• Password (stored securely using bcrypt hashing)

2.2 Financial Data

• Account and holding information (bank accounts, investments, property, loans)
• Income and expense details (cashflows)
• Financial goals and their progress
• Imported bank statements and CAS reports

2.3 Usage Data

• Login timestamps
• Features used
• Scenarios created

3. How We Use Your Information

• Provide the service: Your financial data is used to generate projections, track goals, and run simulations.
• AI-powered features: When you use natural language scenario planning, a summary of your financial context (without account numbers) is sent to AI providers (OpenAI or Anthropic) to interpret your request.
• Improve the service: Aggregated, anonymized usage patterns help us improve Kaise Hoga.
• Communication: We may send you important service updates or notifications.

4. Third-Party Services

We use the following third-party services:

• OpenAI / Anthropic: For AI-powered scenario interpretation. Only a financial summary is shared, never raw account numbers or credentials.
• Hosting provider: Your data is stored on secure servers.

We do not sell your personal or financial data to third parties.

5. Data Security

• Passwords are hashed using bcrypt (never stored in plain text)
• Sessions are secured with signed cookies
• All connections use HTTPS encryption
• Database access is restricted and logged

6. Data Retention

We retain your data for as long as your account is active. If you delete your account, your data will be permanently removed after a 30-day grace period (during which you can cancel the deletion request).

7. Your Rights

You have the right to:

• Access: Export all your data at any time from Settings.
• Correction: Update or correct your information.
• Deletion: Request deletion of your account and all associated data.
• Withdraw consent: Disable AI features if you don't want data sent to AI providers.

8. Cookies

We use essential cookies for session management and authentication. We do not use third-party tracking cookies or analytics that track you across websites.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or a notice on our website.

10. Contact Us

If you have questions about this Privacy Policy or your data, please contact us at: privacy@kaisehoga.com