Privacy Policy

Last Updated: April 4, 2026

Welcome to Chamkaro ("we," "our," or "us"). Chamkaro is operated by Chamkaro (Package: com.chamkaro.msme). We are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application ("App") and related services.

By downloading, accessing, or using the Chamkaro app, you agree to this Privacy Policy. If you do not agree with this policy, please do not use the App.

1. Information We Collect

1.1 Personal Information

When you register or use the App, we may collect the following personal information:

• Name (First name and Last name)
• Email address
• Phone number
• Profile information from third-party sign-in providers (Google, Facebook)

1.2 Device Information

We automatically collect certain device-related information, including:

• Device model and manufacturer
• Operating system and version
• Unique device identifier (hashed using SHA-256 encryption for your security)
• Platform type (Android or iOS)

1.3 Location Information

With your explicit permission, we collect:

• Precise location (GPS-based latitude and longitude)
• Approximate location (network-based)
• City, State/Province, and Country (derived from your coordinates)

1.4 Usage Information

We collect information about how you interact with the App:

• Posts viewed, saved, and shared
• Search queries
• Calculator usage data
• Notification interactions
• Language preferences
• App interaction patterns

2. How We Collect Information

3. How We Use Your Information

We use the collected information for the following purposes:

• Account Management: To create and manage your user account, authenticate your identity, and provide personalized experiences.
• Content Delivery: To display relevant posts, articles, and financial information based on your interests and location.
• Push Notifications: To send you important updates, new content alerts, and personalized notifications via Firebase Cloud Messaging (FCM).
• App Improvement: To analyze usage patterns, diagnose technical issues, and improve the App's performance and features.
• Financial Calculators: To provide accurate EMI calculations, loan prepayment analyses, and machinery cost estimations.
• Communication: To respond to your inquiries, provide customer support, and send service-related notices.
• Security: To detect and prevent fraud, unauthorized access, and other harmful activities.

4. Third-Party Services

Our App integrates with the following third-party services, each governed by their own privacy policies:

5. Data Sharing and Disclosure

We do not sell your personal information to third parties. We may share your data only in the following circumstances:

• Service Providers: With trusted third-party service providers (Firebase, Google, Facebook) who assist in operating the App, subject to confidentiality obligations.
• Legal Requirements: When required by law, regulation, legal process, or governmental request.
• Safety and Protection: To protect the rights, property, or safety of Chamkaro, our users, or the public.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your data may be transferred to the acquiring entity.

6. Data Storage and Security

We implement appropriate technical and organizational security measures to protect your personal information:

• Device identifiers are hashed using SHA-256 encryption before storage.
• Data is transmitted over secure HTTPS connections.
• Authentication tokens are securely managed through Firebase Auth.
• We use industry-standard security practices to prevent unauthorized access, alteration, or destruction of data.

While we strive to protect your personal information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. Specifically:

• Account Data: Retained until you request account deletion.
• Usage Data: Retained for analytics purposes for up to 24 months.
• Device Information: Retained for as long as the app is installed on your device.

8. Your Rights

You have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete personal data.
• Deletion: Request deletion of your account and associated personal data.
• Withdraw Consent: Withdraw consent for location access or notifications at any time through your device settings.
• Data Portability: Request your data in a portable format.
• Opt-Out: Opt out of push notifications through the App settings or your device settings.

9. Account Deletion

You may request deletion of your account and all associated personal data by contacting us at the email address provided below. Upon receiving your request, we will:

• Verify your identity
• Delete your account and personal data within 30 days
• Notify you upon completion of the deletion process

Please note that some data may be retained for legal compliance purposes even after account deletion.

10. Children's Privacy

Chamkaro is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If we discover that we have inadvertently collected data from a child under 13, we will promptly delete such information. If you believe a child has provided us with personal data, please contact us immediately.

11. Permissions Used

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy within the App or through push notifications. The "Last Updated" date at the top of this policy indicates when it was last revised. Your continued use of the App after changes constitutes acceptance of the updated policy.

13. Contact Us