Privacy Policy

This Privacy Policy explains how Udhar Card (“we”, “us”, “our”) collects, uses, stores, and protects information when you use the Udhar Card merchant app (the “App”) on iOS or Android. The App is a business tool for shop owners — it lets you bill customers from your phone, keep a ledger of who owes what, and see your sales at a glance.

By downloading or using the App, you agree to the practices described here. Where you use the App to record information about your own customers (such as their names and the amounts they owe), you are responsible for handling that information lawfully and for telling your customers what you do with it.

We collect information you give us directly, and information we get automatically, to provide the service and keep it safe.

• Account and contact details — your name, mobile number, email address, and the password you create.
• Business and identity details (KYC) — your shop name and address, type of business, PAN, Aadhaar (with your consent), and other details needed to verify your identity, as required by Indian law and our regulated lending partners.
• Ledger and billing data — the bills you create, customer names and contact details you add, payment amounts and dates, and outstanding balances, so the App can keep your ledger accurate. This information is stored on our servers so it is available across your devices.
• Subscription and payment details — records related to your seller plan and any payments you make for it.
• Device and usage information — device model and operating system, app version, and how you use the App, to improve performance and fix issues.
• Location — only where you allow it, and only when a feature needs it (for example, so shoppers can find your shop).

We use the information we collect to:

• create and manage your merchant account;
• verify your identity and your business;
• provide billing, ledger, sales, and reporting features;
• make your ledger available across your devices and, where you choose, to your team;
• share required information with our regulated lending partners if you use credit services;
• process payments for your seller plan;
• prevent fraud, misuse, and money laundering, and comply with legal and regulatory obligations;
• send you service updates and (with your consent) offers;
• improve and secure the App.

When you add a customer to your ledger, you are the one who decides what information about them to keep. We process that information only to provide the ledger and billing features you ask for. You should:

• only record information you have a lawful reason to keep;
• tell your customers that you maintain a ledger of what they owe; and
• delete or correct a customer’s details when they ask, or when they are no longer needed.

We may also hold a customer’s details where they are a Udhar Card user and have agreed to our own policy for the user app.

We do not sell your personal information. We share it only:

• With lending partners and banks — where you use credit or payment services;
• With service providers — companies that help us run the service (cloud hosting, verification, SMS, payments, and customer support), under agreements that require them to keep your data safe;
• With regulators, courts, or law enforcement — where the law requires it;
• In a business transfer — if we merge with or are acquired by another company.

The App may ask for access to your camera, files, contacts, or location — for example, to scan a QR code, upload a KYC document or a bill, or add a customer from your contacts. These permissions are used only for the feature you choose to use, and you can control or revoke them in your device settings at any time.

We use encryption and access controls to protect your information in transit and at rest, and we limit internal access to only those team members who need it to run the service. No method of transmission or storage is completely secure, but we work hard to protect your data and review our practices regularly.

We keep your information only as long as needed to provide the service, and as long as required by law — for example, to comply with the record-keeping rules of the Reserve Bank of India and other regulators. When you delete a customer or close your account, we delete or anonymise the related information we no longer need, subject to any legal retention requirement.

You can, at any time:

• access and correct your account and business details in the App;
• withdraw a previously given permission (for example, location or Aadhaar consent);
• export or request a copy of the ledger and personal information we hold about you;
• ask us to delete your account and data.

To delete your account or raise a request, write to us at hello@udharcard.shop. Please note that some data may need to be retained to meet legal obligations.

The App is a business tool meant for shop owners who are at least 18 years old. We do not knowingly collect information from children.

We may update this policy from time to time. When we make a material change, we will update the date above and, where appropriate, notify you in the App. The latest version will always be available here.

If you have any questions about this policy or your data, or would like to raise a grievance, please contact us:

• Email: hello@udharcard.shop
• Phone: +91 99924 33121

We aim to respond to every request promptly, and in line with applicable law.