Privacy Policy

What data Neelam collects

• Pseudonymous identifiers: We use generated IDs to track savings behaviour without directly exposing personal identity.
• Savings event metadata: Records of transactions (timestamp, amount, location type) to verify activity.
• Consent records: Explicit logs of when and how you granted permission for data usage.

What Neelam does NOT collect

• No Aadhaar: We do not collect or store Aadhaar numbers.
• No bank account details: We do not store full bank account numbers.
• No biometric data: We do not collect fingerprints or face data.
• No financial balances: We do not track total net worth or external bank balances.

How data is used

• Recording savings behaviour: To create an immutable ledger of habits.
• Enforcing consent: To ensure data is only accessed when allowed.
• Generating audit logs: To provide institutional proof of savings history.

Data sharing

• Only with explicit, revocable user consent: You control who sees your data.
• Only with institutions specified in consent: Data is shared only with partners you explicitly approve.

Data security & retention

• Append-only records: Data is stored in a tamper-evident log.
• Access logging: Every view of the data is recorded for security.

Contact

For support or compliance inquiries: ujjwalprakashx@gmail.com