Privacy Policy

Karobar360 — Digital Khata

Last Updated: July 16, 2026
Effective Date: July 16, 2026

1. Introduction

Karobar360 ("we," "our," or "us") is a business accounting and bookkeeping application developed by Asaan Digital. This privacy policy explains how we handle your personal information when you use our mobile application.

By using Karobar360, you agree to the practices described in this policy.

2. Offline-First: Your Data Stays on Your Device

Karobar360 is an offline-first app. Your account and all your data — transactions, customers, udhaar and qist records, committees (kameti), budgets, and reports — are stored only on your own device. We do not keep a copy of your business or personal records on our servers.

This means your business data never leaves your phone. If you uninstall the app, all data stored by the app is removed from the device.

3. Information Accessed On-Device

Karobar360 uses certain device permissions to provide its features. The following data is accessed and processed entirely on your device and is never transmitted to our servers or any third party:

Permission What It Does Data Leaves Device?
Location (Precise & Approximate) Used for branch auto-fill and geolocation features within the app No — stays on device
Contacts (Read & Write) Contact picker to quickly add customer/vendor names and phone numbers No — stays on device
Camera Capturing invoice and receipt photos for attachments No — stays on device
Photos / Media Selecting images from your gallery to attach to records No — stays on device
Microphone Speech recognition for hands-free voice input. Audio is processed in real time and converted to text — raw audio is never stored or transmitted No — processed ephemerally
Biometrics / Fingerprint Secure login using Android's BiometricPrompt API. Biometric data is handled entirely by your device's hardware No — never leaves device

4. Information Collected Off-Device

The only data transmitted off your device is:

Data Type Purpose Sent To
Device Identifier (Push Token) Required for delivering payment reminders and app notifications via Firebase Cloud Messaging Google (Firebase)

This device token is required for the app to function and cannot be opted out of. It does not contain any personal or business data.

5. SMS Share Feature

Karobar360 appears in Android's Share sheet for text content. This allows you to share individual bank SMS messages to the app for analysis using the built-in SMS Analyzer. The app only receives the single message you explicitly choose to share — we do not access, read, or request permission to your SMS inbox. No SMS permission is declared or used.

6. Data Sharing

We do not share your personal or business data with any third parties.

Your data is not sold, rented, or transferred to any third-party companies or organizations. Since Karobar360 is an offline-first app, your business data exists only on your device.

7. Third-Party Services

The app uses the following third-party services:

8. Data Security

9. Data Retention and Deletion

Since all data is stored on your device, you are in full control of your data at all times.

Account Deletion (In-App)

You can permanently delete your account and all associated data directly within the app:

This permanently and immediately deletes your account, credentials, recovery PIN, biometric login link, and every piece of app data on the device. Deleted data cannot be recovered.

Can't Access the App?

If you uninstalled the app or can no longer log in, email us at asaandigital.apps@gmail.com with the subject "Account deletion request" and the phone number you registered with. We will respond within 7 days.

Note: Because your data lives only on your device, uninstalling the app also removes all app data from that device.

10. Children's Privacy

Karobar360 is designed for users aged 16 and above. We do not knowingly collect personally identifiable information from children under 16. If we discover that a child under 16 has provided us with personal information, we will immediately delete it. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

11. Android Permissions Summary

Permission Why It's Needed
INTERNETNetwork communication for push notifications
ACCESS_FINE_LOCATIONPrecise location for branch auto-fill (on-device only)
ACCESS_COARSE_LOCATIONApproximate location for geolocation (on-device only)
CAMERACapturing invoice and receipt photos (on-device only)
READ_MEDIA_IMAGESSelecting images from gallery (on-device only)
READ_CONTACTS / WRITE_CONTACTSContact picker for customers/vendors (on-device only)
RECORD_AUDIOSpeech recognition for voice input (ephemeral, on-device only)
USE_BIOMETRIC / USE_FINGERPRINTBiometric login (handled by device hardware)
POST_NOTIFICATIONSSending payment reminders and alerts
RECEIVE_BOOT_COMPLETEDRescheduling notifications after device restart

12. Changes to This Privacy Policy

We may update this privacy policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically. Continued use of the app after changes constitutes acceptance of the updated policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this privacy policy or our data practices, please contact us: