PRIVACY POLICY

Last Updated: 29th January, 2026

By using the Barabar App, you consent to the collection, use, and sharing of your personal data as described in this policy. If you do not agree with this policy, please do not use the service.

1. Information We Collect

To provide our services and prevent fraud, we collect the following, which may include "Sensitive Personal Data or Information" (SPDI) under IT Rules 2011:

• Identity Data: Mobile Number, Name (as provided by you).
• Financial & Transaction Data: Expenses added, settlement amounts, repayment timestamps, and UPI IDs. Essential for the core functionality of bill splitting.
• Device Data: Device model, OS version, unique device identifiers (e.g., Android ID), and IP address. We use this to detect fraud and prevent multiple account abuse.
• Social Graph: Information about users you interact with on the App (e.g., who you split bills with) to build your "Vouch" profile.

2. How We Use Your Data

We use your data to:

• Facilitate bill splitting and send payment reminders ("Nudges").
• Calculate a proprietary "Trust Score" based on your repayment behavior, average monthly debt, and settlement times.
• Commercial Purposes: To analyze your financial behavior and match you with relevant third-party offers, including credit cards and loans.
• Detect and prevent fraud, spam, and abuse.
• Comply with legal obligations (e.g., courts, law enforcement).

3. Data Sharing & Monetization

We do not sell your personal contact information (email/phone) to bulk marketing lists. However, we may share derived data (e.g., Trust Score, Spending Patterns) or anonymized data with:

• Financial Partners: Banks, NBFCs, and Fintech companies to provide you with pre-approved offers for credit cards or loans based on your Barabar usage history.
• Service Providers: OTP providers (e.g., MSG91), Cloud hosting (e.g., Render/Neon), and Payment aggregators (Razorpay) strictly for operational purposes.
• Legal Authorities: If required by Indian law.

4. Data Security & Retention

We use industry-standard encryption to protect your data. However, no method of transmission over the Internet is 100% secure.

Retention: We retain your personal data and transaction history for as long as your account is active or as needed to provide you services. We may also retain specific data for a longer period as required by Indian laws (e.g., tax, anti-money laundering) or for fraud prevention.

5. Cookies and Tracking

We may use cookies and similar tracking technologies to track the activity on our Service and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.

6. Children's Privacy

Our Service does not address anyone under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us.

7. Your Rights

You may request the deletion of your account and data by contacting our Grievance Officer at grievance@barabar.co.in. Note that transaction history involving other users may be retained to maintain the integrity of their ledgers.

8. Grievance Officer

In accordance with the Information Technology Act 2000, the contact details of the Grievance Officer are:

Name: Snehal Mishra
Email: grievance@barabar.co.in
Address: Second Floor, C1-27, Ardee City, Sector 52, Gurugram, Haryana, 122003