1. Introduction

Welcome to VIKAM ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website (collectively, the "Services").

2. Information We Collect

2.1 Information You Provide

Account Information: Name, email address, phone number, and preferred language
Financial Data: Transaction details you manually enter, budget categories, and savings goals
Communications: Messages you send to our support team

2.2 Information Collected Automatically

SMS Data: With your explicit permission, we read bank transaction SMS messages to automatically categorize expenses. We NEVER access personal messages, photos, or contacts.
Voice Data: Voice commands are processed to log transactions. Audio is not stored permanently.
Device Information: Device type, operating system, and app version for troubleshooting
Usage Data: App usage patterns to improve our services

3. How We Use Your Information

To provide and maintain our Services
To automatically categorize your transactions
To generate personalized financial insights using AI
To send you important notifications about your account
To improve our Services based on usage patterns
To respond to your support requests

4. Data Storage & Security

Local Storage: Most of your data is stored locally on your device
Encryption: We use bank-level 256-bit SSL/TLS encryption
Server Location: Our servers are located in India (AWS ap-south-1 Mumbai region)
Access Control: Only authorized personnel can access user data
Regular Audits: We conduct regular security assessments

5. Data Sharing

We do NOT sell your personal data. We may share information only in these cases:

Service Providers: With trusted partners who help us operate our services (e.g., cloud hosting)
Legal Requirements: When required by law or to protect our rights
Business Transfers: In case of merger or acquisition (with notice to you)

6. Your Rights

You have the right to:

Access: Request a copy of your personal data
Correction: Update or correct your information
Deletion: Request deletion of your account and data
Export: Download your data in CSV or PDF format
Withdraw Consent: Revoke SMS reading or voice permissions anytime

7. Children's Privacy

Our Services are not intended for children under 18 years of age. We do not knowingly collect information from children under 18.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

9. Contact Us

If you have questions about this Privacy Policy, please contact us at:

Email: privacy@vikam.io
Website: https://vikam.io