Tuticorin Nidhi LogoTuticorin Nidhi

Privacy Policy

1. Privacy Governance & Data Transmission

At Tuticorin Nidhi, we recognize that financial privacy is the cornerstone of user trust. This Privacy Policy outlines our transparent protocols for collecting, utilizing, and safeguarding your personal information while you use our bookkeeping tools. We are steadfast in our compliance with India's Digital Personal Data Protection Act (DPDPA). Our mission is to empower your financial management while ensuring your digital footprint remains fortified. All sensitive data is encrypted during processing. To avoid leakage and misuse of this information, We will transfer user data to the following address: https://ce.tuticorinnidhi.com

2. Scope of Data Collection and Utility

To facilitate the operational integrity of Tuticorin Nidhi and provide insightful financial analytics, we require your explicit consent to process the following categories of data:

  • Phone Number: Collected to establish a unique user identity and facilitate Multi-Factor Authentication (MFA), ensuring your ledger remains accessible only to you.
  • Email Address (Optional): Utilized for administrative purposes including account recovery, sending financial summaries, and delivering service updates.
  • Camera & Image Access (Optional): Requested only when you initiate features to scan receipts or upload bill photos. This helps digitize physical records for better tracking.
  • Emergency Contact Information: Allows you to designate a trusted secondary contact. This is strictly reserved as a final communication channel if critical security anomalies are detected and you are unreachable.
  • User/Device/Advertising IDs (Optional): We use unique identifiers (such as GAID) to maintain session continuity and offer personalized financial insights based on usage patterns.
  • Approximate Location (Optional): Collected to ensure compliance with regional financial regulations and to provide localized currency or tax-related information relevant to your area.
  • Crash Logs: In the event of a technical failure, we collect anonymous stack traces to help our engineers diagnose errors and improve the stability of the application.
  • Installed Application Inventory: Scanned for safety assessments to identify potential malware that could compromise financial data and to better understand your financial ecosystem for improved service.
  • Call Log (Optional): Strictly for "Flash Call" verification, allowing the app to automatically authenticate your number via a secure signal, bypassing manual OTP entry. We do not read or store private conversations.
  • Device Information: Includes storage status (to ensure ledger saving), battery/network telemetry (to optimize synchronization), and hardware/sensor data (to verify the app is running on a secure, physical device rather than a simulated environment).

3. Security Architecture

We employ a defense-in-depth approach. All data streams are secured using SSL/TLS protocols during transit and are encrypted at rest using AES-256 standards. Internal access to user data is restricted to vetted personnel on a strictly monitored "need-to-know" basis.

4. Data Retention and Rights

Data is retained for the duration of your active account status. Post-deletion, certain financial records may be archived for five (5) years to satisfy Indian regulatory requirements. You may exercise your "Right to be Forgotten" by contacting us at business@tuticorinnidhi.com.

5. Contact Information

For any inquiries regarding this policy or your data rights: