Privacy Policy for PayQR

1. Introduction

This Privacy Policy explains how PayQR ("we," "our," or "us") collects, uses, and protects your information when you use our mobile application ("App"). We are committed to protecting your privacy and being transparent about our data practices.

2. Information We Collect

2.1 Information You Provide

• UPI IDs and Names: When you add UPI IDs to the App, we store this information locally on your device
• Payment Amounts: Amounts you enter for QR code generation are processed locally
• Split Information: Number of splits you specify for payment division

2.2 Information Collected Automatically

• Device Information: Device model, operating system version, app version
• Usage Analytics: How you interact with the App, features used, time spent
• Crash Reports: Technical information when the App encounters errors
• Performance Data: App performance metrics and loading times

2.3 Information from Third-Party Services

• Firebase Analytics: User behavior and app usage patterns
• AdMob: Information about ad interactions and device advertising ID
• Google Services: Basic device information for service integration

3. How We Use Your Information

3.1 Primary Uses

• App Functionality: To generate UPI QR codes and process payment requests
• Feature Improvement: To enhance app features and user experience
• Technical Support: To diagnose and fix technical issues
• Analytics: To understand how users interact with the App

3.2 Firebase Services Usage

• Analytics: Track app usage patterns to improve functionality
• Crashlytics: Monitor app stability and fix crashes
• Remote Config: Update app settings and features remotely
• Force Updates: Ensure users have the latest secure version

3.3 Advertising

• AdMob Integration: Display relevant advertisements
• Rewarded Ads: Provide rewards for viewing advertisements
• Ad Performance: Measure ad effectiveness and user engagement

4. Data Storage and Security

4.1 Local Storage

• UPI Information: Stored securely on your device using encrypted storage
• App Preferences: Settings and preferences saved locally
• No Cloud Storage: We do not store your UPI data on our servers

4.2 Data Security

• Encryption: Local data is encrypted using industry-standard methods
• Secure Transmission: Data transmitted to our services uses HTTPS encryption
• Access Controls: Limited access to data on a need-to-know basis
• Regular Updates: Security measures are regularly updated and improved

5. Third-Party Services

5.1 Firebase (Google)

• Analytics: Collects usage data to help us improve the App
• Crashlytics: Reports crashes and errors for technical support
• Remote Config: Manages app configuration remotely
• Privacy: Subject to Google's Privacy Policy

5.2 AdMob (Google)

• Advertising: Displays targeted advertisements
• Ad Performance: Tracks ad interactions and effectiveness
• Device Information: May collect advertising ID and device information
• Privacy: Subject to Google's AdMob Privacy Policy

5.3 UPI Services

• Payment Processing: Handled by your bank's UPI service
• No Data Sharing: We do not share your payment information with UPI providers
• Bank Privacy: Subject to your bank's privacy policies

6. Your Rights and Choices

6.1 Data Control

• Delete Data: You can delete UPI IDs and data through the App
• Uninstall: Removing the App deletes all local data
• Opt-Out: You can disable analytics in your device settings

6.2 Advertising Choices

• Ad Personalization: You can opt out of personalized ads in device settings
• AdMob Settings: Manage ad preferences through Google AdMob settings
• Rewarded Ads: You can choose not to view rewarded advertisements

7. Children's Privacy

• Age Requirement: The App is not intended for children under 13
• No Collection: We do not knowingly collect information from children under 13
• Parental Control: Parents should monitor their children's app usage
• Contact Us: If you believe we have collected information from a child, contact us immediately

8. International Data Transfers

• Data Location: Most data processing occurs on your device
• Firebase Services: Data may be processed by Google's global infrastructure
• AdMob Services: Advertising data may be processed internationally
• Data Protection: We ensure adequate protection for international transfers

9. Updates to Privacy Policy

• Regular Updates: We may update this Privacy Policy periodically
• Material Changes: Significant changes will be communicated through the App
• Notification: Users will be notified of important privacy policy updates
• Continued Use: Continued use after changes constitutes acceptance

10. Legal Basis for Processing (GDPR)

• Legitimate Interest: Improving app functionality and user experience
• Consent: For analytics and advertising where required
• Contract Performance: To provide the services you request
• Legal Obligation: To comply with applicable laws

11. California Privacy Rights (CCPA)

• Right to Know: Request information about data collection and use
• Right to Delete: Request deletion of personal information
• Right to Opt-Out: Opt out of sale of personal information
• Non-Discrimination: We will not discriminate for exercising your rights

12. Data Breach Notification

• Immediate Action: We will take immediate action to address any data breach
• Notification: Affected users will be notified as required by law
• Regulatory Reporting: We will report breaches to relevant authorities
• Prevention: We continuously work to prevent data breaches

14. Complaints

• Contact Us: First, contact us directly with any privacy concerns
• Response: We will investigate and respond to complaints promptly
• Resolution: We work to resolve privacy issues to your satisfaction