Privacy Policy for DhwaniPay

Last Updated: June 2026

Mr Fincare Payment Solutions ("Company", "we", "our", or "us") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our DhwaniPay mobile application.

DhwaniPay is designed specifically for Indian shopkeepers and small businesses to receive voice alerts for UPI payment notifications. We prioritize your privacy and security by processing all sensitive data locally on your device.

By using our application, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the application.

1. Information We Collect

💳 1.1 Payment Notification Data

DhwaniPay reads UPI payment notifications from supported payment apps and SMS to provide voice alerts. This includes:

• 💰 Transaction Amount: The payment amount from the notification
• 🕒 Timestamp: When the payment was received
• 📱 Payment App Name: Which UPI app sent the notification (Paytm, PhonePe, Google Pay, etc.)
• ✅ Transaction Status: Whether the payment was successful or failed
• 🔄 Transaction Type: Debit, Credit
• 🆔 UPI Transaction id: Transaction id to differentiate the debit and credit transactions for the precise payment alerts

📱 1.2 Device Information

• Device Model: Phone manufacturer and model
• Operating System: Android version
• App Version: Version of DhwaniPay installed
• Unique Device ID: For crash analytics only (anonymized)

📊 1.3 Usage Analytics

• App Usage Patterns: How often you use the app and which features
• Crash Reports: Technical data when the app crashes (via Firebase Crashlytics)
• Feature Usage: Which settings and preferences you use
• Alert Count: Number of alerts triggered

⚙️ 1.4 User Preferences & Settings

• Language Preference: Your chosen language for voice alerts
• Voice Settings: Pitch, speed, and voice type preferences
• Alert Customizations: When and how alerts are announced
• Premium Subscription Status: Whether you have an active premium subscription

🚫 1.5 What We DON'T Collect

DhwaniPay does NOT collect or have access to:

• Your UPI PIN or passwords
• Bank account numbers or card details
• Your contacts or phone numbers
• Your location data
• Photos, videos, or other media files

2. How We Use Your Information

We use the collected information for the following purposes:

🔊 2.1 Core Functionality

• Process UPI payment notifications and convert them to voice alerts
• Store transaction history locally on your device for dashboard display
• Apply your preferred language and voice settings to alerts
• Track alert count for free tier usage limits

🛠️ 2.2 App Improvement

• Analyze usage patterns to improve app performance
• Fix bugs and crashes reported through Firebase Crashlytics
• Understand which features are most used to prioritize development
• Test and optimize voice alert quality

💎 2.3 Premium Subscription Management

• Verify and activate premium subscriptions
• Provide access to unlimited alerts and analytics
• Send subscription renewal reminders

3. Data Storage and Security

🔒 3.1 Local Storage (On-Device)

All sensitive payment data is stored exclusively on your device using encrypted local database (SQLite with SQLCipher encryption):

• Transaction history and amounts
• Payment timestamps and app sources
• Daily, weekly, and monthly statistics
• User preferences and settings

This data is encrypted and can only be accessed by the DhwaniPay app on your device. It is never transmitted to our servers or any third party.

☁️ 3.2 Cloud Storage (Anonymous Analytics Only)

Only non-sensitive, anonymized data is sent to our servers:

• App usage statistics (no transaction amounts or details)
• Crash reports (no personal or financial data)
• Feature usage metrics
• Premium subscription status

🛡️ 3.3 Security Measures

• Encryption: All local data is encrypted using industry-standard AES-256 encryption
• No Cloud Sync: Payment data never leaves your device
• Auto-Cleanup: Optional feature to automatically delete old transaction data
• Secure Updates: App updates are delivered through Google Play's secure infrastructure

4. Permissions Explained

DhwaniPay requires the following Android permissions to function:

🔔 Notification Access

Why we need it: To read UPI payment notifications from apps like Paytm, PhonePe, Google Pay, etc.

What we do with it: Extract payment amount and status to create voice alerts. We only read notifications from supported UPI apps.

✉️ SMS Access

Why this permission is required

Our app requires SMS access solely to read bank and payment-related SMS messages received on the device. This enables the app to automatically detect incoming and outgoing payment transactions and provide real-time voice notifications of payment amounts and transaction status.

How SMS data is used

• The app reads payment-related SMS messages from banks and payment service providers.
• It extracts only the transaction amount, transaction type (received/sent), and transaction status.
• The extracted information is used exclusively to generate real-time voice alerts for the user.
• SMS data is processed locally on the user's device.

Data Storage and Sharing

• We do not upload, store, collect, or share SMS messages or payment history on our servers.
• SMS content and extracted transaction information remain on the user's device.
• No SMS data is shared with third parties.

This permission is used only for the core functionality of providing automatic payment detection and voice-based payment notifications.

🔊 Modify Audio Settings

Why we need it: To play voice alerts at appropriate volume levels.

What we do with it: Adjust volume for voice announcements and Bluetooth speaker support.

🔋 Prevent Phone from Sleeping

Why we need it: To ensure voice alerts play even when screen is off.

What we do with it: Keep audio service active for immediate alerts.

🌐 Internet Access

Why we need it: For app analytics, crash reporting, and premium subscription verification.

What we do with it: Send anonymous usage data and check subscription status.

5. Third-Party Services

DhwaniPay integrates with the following third-party services:

🔥 5.1 Google Firebase

• Firebase Analytics: Anonymous usage statistics and feature tracking
• Firebase Crashlytics: Crash reporting for bug fixes
• Privacy: Firebase Privacy Policy

🗣️ 5.2 Android Text-to-Speech (TTS)

• Uses device's built-in TTS engine for voice alerts
• Supports Google TTS and other installed TTS engines
• No data is sent to TTS providers beyond the text to be spoken

💳 5.3 Subscripton Payment

• For premium subscription purchases
• Payment processing handled by PA licensed Payment Gateway partners

6. Data Retention

📂 6.1 Local Data (On Your Device)

Transaction history is stored on your device until:

• You logout and login to the app
• You enable auto-cleanup (deletes data older than selected period)
• You uninstall the app (all local data is deleted)
• You delete your account

📊 6.2 Analytics Data

Anonymous analytics data is retained for up to 24 months for app improvement purposes.

7. Your Rights and Choices

You have the following rights regarding your data:

• 👀 Access: View all your transaction history within the app
• 🗑️ Delete: Clear transaction history anytime by logging out and login to the app/uninstall/reinstalling the app
• 🔕 Disable: Turn off notification listening/voice alerts to stop voice alerts
• 📨 Opt-out Analytics: Contact us to opt-out of analytics
• ❌ Delete Account: Permanently delete all data by deleting your account

8. Children's Privacy

DhwaniPay is intended for business users aged 18 and above. We do not knowingly collect information from children under 13 years of age. If you believe we have collected information from a child under 13, please contact us immediately.

9. International Data Transfers

DhwaniPay is designed for Indian users and stores all sensitive data locally on your device in India. Anonymous analytics data may be processed on Firebase servers located outside India, subject to Google's data protection measures.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Updating the "Last Updated" date
• Showing an in-app notification for significant changes
• Requiring you to accept updated terms for major changes

11. Contact Us

If you have questions or concerns about this Privacy Policy or your data, please contact us:

📧 Email: contact@dhwanipay.com

🏢 Company: Mr Fincare Payment Solutions

📍 Address:
1ST FLOOR, NO 12, Kothnur Dinne Main Rd, Nrupathunga Nagar, JP Nagar 7th Phase, Bengaluru, Karnataka 560078

12. Consent

By using DhwaniPay, you consent to this Privacy Policy and agree to its terms. If you do not agree with this policy, please discontinue use of the application.