Privacy Policy

1. Information we collect

We collect only what we need to explain and help improve your credit, and to run the service.

Account & identity

• Sign-in details: your name and email address, via Google sign-in (in the app). On WhatsApp, your phone number and WhatsApp display name identify your account.
• Identity details: your PAN and date of birth, if you choose to provide them, used to unlock password-protected credit-report PDFs and to fill your details into dispute drafts. Providing them is optional.

Credit information you upload

• Your credit report, as a PDF you upload in the app or send to Sara on WhatsApp. We never pull a report without you.
• We read the PDF once and extract its contents, score, accounts, balances, payment history, enquiries, to build your insights, the animated report explainer, and detected issues. The PDF file itself is not retained (a password-protected PDF sent on WhatsApp may be held briefly until you provide its password, then discarded).
• A short voiceover for your report explainer is generated from your report's headline figures.

Conversations & declared details

• Chats with Sara: your messages and her replies, in the app and on WhatsApp, stored so your conversation continues where you left off.
• Voice notes sent to Sara on WhatsApp are transcribed to text so she can reply; the transcript is stored like any other message.
• Financial details you declare: such as monthly income, rent, or EMIs, saved to personalise Sara's guidance.
• Callback requests: if you ask for an expert call, we keep a short brief of the topic so our team can call you prepared.
• Consent records: when you agree to Kaapi reading your report (asked explicitly on WhatsApp; accepted in the app), we keep a timestamped record.

Usage, device & diagnostics

• Product analytics: events such as screens viewed and features used, to understand and improve the app (via PostHog and Mixpanel).
• Device & push: platform, app version, and a push notification token so we can send you alerts you’ve opted into.
• Diagnostics: performance and error traces to keep the service reliable.

2. How we use your information

• Show your credit score, what drives it, trends across reports, and likely report errors.
• Power Sara, the AI assistant that explains your report, answers your questions, and drafts dispute emails which only you review and send, from your own email.
• Arrange the expert callbacks you ask for.
• Send notifications you’ve enabled, and respond to your requests.
• Maintain security, prevent abuse, debug, and improve the product.
• Comply with applicable law.

We process this data based on your consent (which you can withdraw) and to provide the service you asked for, consistent with India’s Digital Personal Data Protection Act, 2023. We do not sell your personal data. We do not use your credit or chat data for advertising. Reading your own report through Kaapi is a soft enquiry, it never affects your score.

3. Sara on WhatsApp

• Messaging Sara on WhatsApp creates a Kaapi account keyed to your phone number. WhatsApp messages are delivered through Meta’s WhatsApp Business Platform, which processes them under Meta’s own terms.
• Sara asks for your explicit consent in the chat before any report you send is opened. Without it, report PDFs are not read.
• If a report you send appears to belong to someone else, we decline to process it.
• You can stop at any time, just stop messaging, or ask us to delete your data (below).

4. How we share information

We share personal data only with service providers who process it on our behalf, under contract, to run Kaapi:

• Cloud hosting & database: to store and process your data.
• Google: sign-in.
• AI processing: to read your report, power Sara, and generate the explainer voiceover and voice-note transcripts (Microsoft Azure OpenAI; Sarvam AI for speech). Your data is not used to train their models.
• Meta (WhatsApp Business Platform): to deliver WhatsApp messages.
• Notifications: to deliver push alerts (Expo push service → Apple/Google).
• Analytics & diagnostics: PostHog, Mixpanel, and error/performance tooling.

Dispute emails are drafted for you but sent by you from your own email account, we don’t send them on your behalf. We may disclose information if required by law, to enforce our terms, or to protect the rights and safety of our users. If Kaapi is involved in a merger or acquisition, we will notify you before your data becomes subject to a different policy.

5. Data retention

We keep your data for as long as your account is active. Uploaded report PDFs are not retained after reading. When you delete your account, we delete or de-identify the associated data within a reasonable period, except where we must retain it to comply with legal obligations or resolve disputes (consent records may be kept as an audit trail). You can ask us to clear your credit data or chat history at any time.

6. Security

We use reasonable technical and organizational measures to protect your data, including encrypted connections (HTTPS/TLS), access controls, and OAuth tokens rather than storing your passwords. No method of transmission or storage is 100% secure, but we work to protect your information and to limit access to it.

7. Your rights & choices

• Access & correction: request a copy of your data or ask us to correct it.
• Deletion: delete your account, or clear your credit data and chat history, by contacting us.
• Withdraw consent: stop uploading reports, turn off notifications, stop messaging Sara on WhatsApp, or revoke Kaapi’s sign-in access from your Google account settings.
• Grievance redressal: under the DPDP Act, contact our Grievance Officer below.

8. Children

Kaapi is intended for users aged 18 and over and is not directed to children. We do not knowingly collect data from anyone under 18.

9. Changes to this policy

We may update this policy from time to time. We’ll revise the “Last updated” date above and, for material changes, notify you in the app or by email.

10. Contact & grievances

Questions or requests: hello@kaapi.money
Grievance Officer: Grievance Officer, Profitse Technologies Private Limited, hello@kaapi.money, 2nd & 3rd Floor, No. 472/7 Balaji Arcade, A.V.S Compound, Koramangala 6th Block, Bengaluru, Karnataka 560095, India, as required under the Digital Personal Data Protection Act, 2023 and applicable rules.