Effective Date: 19 May 2026
1. Introduction
Welcome to SmartBahi, operated by Arthonix Technology LLP (“Company,” “we,” “our,” or “us”).
SmartBahi is a digital ledger and khatabook application that helps users manage customer accounts, credit/debit entries, transactions, and financial records securely and efficiently.
Your privacy is important to us. This Privacy Policy explains how we collect, use, store, and protect your information when you use our mobile application.
2. Information We Collect
a) Mobile Number
We collect your mobile number for:
- User registration
- OTP-based login authentication
- Account verification
- Security and fraud prevention
b) Ledger & Financial Data
The application may store:
- Customer names
- Transaction records
- Credit/debit entries
- Payment history
- Notes added by users
This information is stored securely and is used only for providing app functionality.
c) Contact Information (Optional)
If you choose to add a customer from your phone’s contact list, SmartBahi requests permission to read your contacts. When you grant this permission:
- We access your contact list only at the moment you actively choose to import a contact.
- Only the specific contact you select — their name and phone number — is saved into your ledger.
- We do not upload, transmit, or store your full contact list on our servers.
- We do not share your contacts with any third party.
You may decline this permission and add customers manually instead. The app remains fully usable without contact access.
d) Photos and Images (Optional)
If you choose to set a profile picture or attach an image to a customer record, the app lets you select a photo from your device or take one with your camera. Images you select are used only for that purpose. We do not scan or access your photo library beyond the image you explicitly choose.
e) Payment Information
Subscription payments are processed by our payment partner, Razorpay. Payment is completed within Razorpay’s secure checkout. We do not collect or store your card numbers, UPI PIN, or banking credentials. We receive only the transaction result (such as success or failure) and a reference ID needed to activate your subscription.
f) Device Information
We may automatically collect limited technical information such as:
- Device type
- Android version
- App version
- Crash reports and diagnostics
This helps us improve app performance and security.
3. SMS and OTP Verification
SmartBahi does not read, receive, or access the SMS messages on your device.
The app does not request SMS permissions and cannot see your messages.
When you sign in, we send a one-time password (OTP) to your mobile number through a third-party SMS delivery provider. You enter that code manually into the app to verify your number. Specifically:
- We do not read personal SMS messages.
- We do not collect or store users’ private SMS content.
- We do not share SMS data with third parties.
- Your mobile number is shared with our SMS delivery provider for the sole purpose of delivering your OTP.
4. How We Use Your Information
We use collected information to:
- Provide ledger and accounting services
- Authenticate users securely
- Maintain user accounts
- Improve app performance and user experience
- Prevent unauthorized access and fraud
- Provide customer support
5. Data Sharing & Third Parties
We do not sell, trade, or rent users’ personal information.
We may share limited information only:
- When required by law or legal authorities
- With trusted service providers necessary for app operations (such as OTP delivery, payment processing, or cloud hosting services)
- To protect the rights, safety, and security of users and the platform
6. Data Security
We implement appropriate technical and organizational security measures to protect user data against unauthorized access, alteration, disclosure, or destruction.
However, no electronic transmission or storage method is 100% secure.
7. Data Retention and Account Deletion
We retain user information only for as long as necessary to:
- Provide services
- Fulfill legal obligations
- Resolve disputes
- Enforce agreements
Deleting your account
You can request deletion of your SmartBahi account at any time, in either of two ways:
- In the app: Settings → Delete Account → Request Account Deletion
- On the web: smartbahi.com/account-deletion — you can use this even if you have uninstalled the app
When we process your request, we delete your profile and business details, all customers and suppliers, all transactions, credit/debit entries and payment history, all bills and products, and your mobile number and login details. These are removed from our live systems straight away and you will no longer be able to sign in.
We then retain a single backup copy for 30 days, solely so that a deletion made in error can be reversed at your request. It is not used for any other purpose. After 30 days it is permanently and automatically erased and cannot be recovered by you or by us. Your data is removed from SmartBahi immediately, and erased completely within 30 days.
We action deletion requests within 30 days of receiving them and email you once your account has been removed. Deletion cannot be undone once the backup window has passed — please use Backup & Restore in the app first if you wish to keep a copy of your records.
8. User Rights
Users may:
- Access their information
- Update account details
- Request correction of inaccurate information
- Request deletion of their account and data (see Delete Your Account)
9. Children’s Privacy
SmartBahi is not intended for children under the age of 13. We do not knowingly collect personal information from children.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Updated versions will be posted within the application or on our official website.
11. Contact Us
If you have questions regarding this Privacy Policy, please contact:
Arthonix Technology LLPEmail: Info@arthonix.com
Address: Kharar, Punjab, India
See also our Terms & Conditions and Delete Your Account.