1. Introduction
BroPay Financial Technologies Pvt. Ltd. ("BroPay", "we", "our", or "us") operates bropay.money and BroSubs (subs.bropay.money). We integrate with user-provided data sources such as email and manual inputs to deliver intelligent financial management.
2. Information We Collect
a. Personal Information
- Name (optional)
- Email address
- Account credentials
b. Financial & Subscription Data
- Subscription details (e.g., Netflix, Spotify, etc.)
- Bills, EMIs, insurance, and payment-related data
- Transaction-related metadata (if available via integrations)
c. Email Data (If User Connects Gmail or Other Email Services)
With your explicit consent, BroPay may access your email inbox to identify subscriptions, bills, receipts, and financial transactions, and extract relevant financial information (amount, date, merchant). We do not:
- Read unrelated personal emails
- Send emails on your behalf
- Store full email content unnecessarily
d. Device & Usage Data
- Device type, OS, and app version
- IP address and log data
- App interactions and feature usage
e. Permissions
- Notifications (for reminders and alerts)
- Calendar access (optional, for subscription tracking)
3. How We Use Your Information
We use your data to:
- Provide core features of BroPay and BroSubs
- Automatically detect and track subscriptions and expenses
- Send reminders for renewals, bills, EMIs, and payments
- Offer insights, recommendations, and savings suggestions
- Improve app performance and user experience
4. Data Security
- We use encryption and secure infrastructure to protect your data
- Access to sensitive data is restricted and monitored
- Despite best efforts, no system is completely secure
5. Data Sharing
We do not sell your personal data. We may share limited data with:
- Trusted service providers (cloud hosting, analytics)
- Legal authorities if required by law
- Fraud prevention and security services
6. Third-Party Services
BroPay may use services such as Firebase / Google Analytics (for usage insights) and cloud storage providers. These services operate under their own privacy policies.
7. Your Rights
You can:
- Access your data
- Modify or update your information
- Delete your account and data
- Disconnect email integrations at any time
- Opt out of notifications
Contact us at privacy@bropay.money to exercise any of these rights.
8. Data Retention
We retain data only as long as necessary to provide services, meet legal requirements, and improve our platform.
9. Children's Privacy
BroPay is not intended for users under 13 years of age. We do not knowingly collect data from children.
10. Changes to This Policy
We may update this Privacy Policy periodically. Changes will be reflected with a revised "Last Updated" date at the top of this page.
11. Contact Us
- Email: privacy@bropay.money
- Website: bropay.money