Privacy Policy

This Privacy Policy explains how we collect, use, and protect your personal information when you use Pocket Bondhu (referred to as "we," "our," or "the App").

By using the App, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect the following types of personal and financial information:

• Personal identification: Name, phone number, and email address
• Account data: User ID, subscription type, referral code, and linked referrals
• Financial activity: Budgets, account balances, transactions, and withdrawal requests
• Referral income: Earnings from your downline users
• Device data (if needed): IP address, device ID, browser type (only for performance and debugging)

2. How We Use Your Information

We use your information to:

• Provide personal finance tools (e.g. budget planner, transaction tracker)
• Enable and calculate referral income
• Process subscription payments and withdrawal requests
• Send app-related notifications and updates
• Improve app performance and user experience
• Comply with legal or financial regulations

3. How We Protect Your Information

We implement the following measures to keep your data secure:

• Password hashing and encrypted user sessions
• Access control and role-based permissions for admin actions
• Audit logs to track sensitive actions (such as referral changes, income updates, and withdrawals)
• All financial operations are processed using secure transactional systems

4. Data Sharing

We may share limited information only with trusted third parties necessary to run the service, such as:

• SMS gateways (for sending OTPs)
• Payment processors (for verifying subscriptions and withdrawals)

These providers are required to protect your data and may not use it for other purposes.

5. Cookies and Analytics

If our app or website uses cookies or analytics (such as Google Analytics), we will use this only to understand usage patterns and improve our service. No personal financial data is collected through cookies.

6. Your Rights

You may:

• View and update your personal data in the app
• Request deletion of your account and associated data
• Report any misuse or incorrect activity via our support team

Please contact us at support@pocketbondhu.com for any data requests or privacy-related inquiries.

7. Children's Privacy

Our app is not intended for use by individuals under the age of 13. We do not knowingly collect information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will notify users in the app or via email. Your continued use of the app after changes means you accept the updated policy.

9. Contact Us

For any questions or privacy concerns, please contact us at: