NIRAI Privacy Policy

Your personal finance companion

Last updated: August 26, 2026

1. Introduction

Welcome to NIRAI ("NIRAI", "we", "us", or "our"). NIRAI is a personal finance application designed to help users manage and track their personal finances, including income, expenses, budgets, savings, financial goals, and loans.

We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains what information NIRAI handles, how it is stored and used, and how third-party services used by the application may process information.

2. Information You Enter Into NIRAI

NIRAI allows you to enter and manage financial information such as:

Income and expense records
Expense categories
Budgets and spending limits
Savings goals
Loan information
Loan amounts, interest rates, EMIs, and repayment details
Financial notes and descriptions
Other information you choose to enter into the application

3. How Your Financial Data Is Stored

        
          NIRAI is designed primarily as an offline personal finance
          application.

Financial information that you enter into NIRAI is stored locally on your device using the application's local storage/database. NIRAI does not require you to create an account to use its core offline finance-tracking functionality.

We do not sell, rent, or otherwise provide your personally entered financial records to third parties for their own purposes.

Because your financial records may be stored locally on your device, you are responsible for maintaining appropriate device security and backups where applicable.

4. Information Collected Automatically

NIRAI uses third-party services that may automatically collect certain technical and advertising-related information.

These services may collect information such as:

Device information
Operating system information
App version
Advertising identifier
IP address or approximate location derived from IP address
Advertising and interaction information
Diagnostic or technical information

This information may be processed by third-party service providers to provide advertising, prevent fraud, measure advertising performance, and maintain or improve their services.

5. Advertising and Google AdMob

NIRAI uses Google AdMob to display advertisements.

Google AdMob may collect and process certain information from your device for purposes including displaying advertisements, measuring advertising performance, preventing fraud, and providing personalized or non-personalized advertising depending on applicable settings, consent, and regional requirements.

Advertising identifiers may be used by advertising services to provide and measure advertisements.

The collection and use of information by Google and its advertising services is governed by Google's applicable privacy practices and policies.

6. Advertising Preferences and Consent

Depending on your location and applicable privacy regulations, NIRAI may request your consent regarding personalized advertising and the use of certain information for advertising purposes.

Where required, NIRAI uses Google's consent and privacy mechanisms to obtain and manage applicable advertising consent.

Users may also have device-level or platform-level controls that affect advertising personalization.

7. Data Sharing

NIRAI does not sell your personal financial records.

Information may be processed by third-party service providers when necessary to provide services used by NIRAI, including advertising services.

Third-party services process information according to their own privacy policies and applicable laws.

8. Financial Information

NIRAI is a financial tracking and planning tool. It does not provide banking services, hold user funds, process bank transactions, or act as a lender.

Loan-related features in NIRAI are intended for personal tracking and management of loans that you choose to record in the application. NIRAI does not provide or arrange loans through these tracking features.

9. Premium Features and In-App Purchases

NIRAI may offer optional premium features or digital functionality through in-app purchases.

Purchases made through Google Play are processed by Google Play according to Google's applicable terms and policies. NIRAI does not receive or store your complete payment card details.

10. Data Security

We take reasonable measures to protect information handled by NIRAI. However, no method of electronic storage or transmission can be guaranteed to be completely secure.

You are responsible for keeping your device secure, including using appropriate screen locks, passwords, biometric authentication, and operating system security features.

11. Data Retention and Deletion

Financial information stored locally by NIRAI generally remains on your device until you delete it through the application, clear the application's data, or uninstall the application.

Since NIRAI's core financial records are designed to be stored locally, uninstalling the application or clearing its application data may permanently remove locally stored financial information.

We recommend exporting or backing up any information you wish to retain before uninstalling the application or clearing its data, where such functionality is available.

12. Children's Privacy

NIRAI is not specifically directed toward children. We do not knowingly collect personal information from children in violation of applicable laws.

If you believe that a child has provided personal information to us in a manner that violates applicable law, please contact us so that appropriate action can be taken.

13. Third-Party Services

NIRAI may use third-party services to provide functionality such as advertising, payments, diagnostics, security, or other technical services.

These third parties may process certain information according to their own privacy policies and applicable laws.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to NIRAI, applicable laws, or third-party services.

When changes are made, the updated version will be published on this page and the "Last updated" date will be changed accordingly.

15. Your Rights

Depending on your location and applicable privacy laws, you may have rights relating to your personal information, including rights to access, correct, delete, restrict, or object to certain processing.

Because NIRAI's core financial records are stored locally on your device, many data-management actions can be performed directly within the application or by clearing the application's local data.

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or NIRAI's privacy practices, please contact us at:

Email: avenkatesh194@gmail.com