BakiKhata — Privacy Policy

1Introduction

BakiKhata (“the App”, “we”, “us”, or “our”) is a digital credit-ledger and shop-management application developed and operated by Bornali Soft. The App helps shopkeepers and small businesses record customer and supplier dues (“baki”), track sales, purchases, expenses, and send payment reminders.

This Privacy Policy explains what information we collect, why we collect it, and the choices you have. By creating an account or using the App, you agree to the practices described here. If you do not agree, please do not use the App.

2Information we collect

We collect only the information needed to run your ledger. This falls into the categories below.

Category	What it includes	Why
Account	Your name, phone number, and a password. A one-time password (OTP) is sent to your phone to verify it.	To create and secure your account and sign you in.
Shop profile	Shop name, phone number, address, and sender ID settings.	To set up your business and personalise reminders.
Ledger records	Customer and supplier names, phone numbers, addresses, opening balances, due amounts, and their transaction history.	These are the records you create to run your credit ledger.
Business activity	Sales, purchases, expenses, payments, employee records, and attachments you add.	To power reports, dashboards, and reminders.
Attachments	Photos you capture or select (e.g. receipts, product images).	To attach supporting documents to your records.
Technical data	Basic app and device information needed to keep sessions secure and diagnose problems.	Security, reliability, and support.

Contact information you add. When you add a customer or supplier — whether by typing details or importing from your phone contacts — you are responsible for having a lawful basis to store that person’s name and phone number in your ledger. We process it on your behalf solely to provide the App.

3Device permissions

The App requests the following permissions. Each is optional in the sense that you are asked at the moment it is needed, and the App only accesses that data for the stated purpose. You can revoke any permission at any time in your device settings.

Contacts

Used only to let you auto-fill a customer’s or supplier’s name and phone number when you add them. We do not upload or continuously read your full contact list.

Camera & Photos

Used only when you choose to capture or select an image to attach to a record.

Microphone (audio)

Used only for in-app features that require voice input at the moment you activate them. Audio is not recorded in the background.

4How we use information

To create your account, verify your phone number, and keep you signed in.
To store and display the ledger, transaction, and business records you enter.
To generate reports, balances, and dashboards from your data.
To send SMS payment reminders to your customers when you enable that feature.
To provide customer support and respond to your requests.
To protect the App against fraud, abuse, and security threats.
To comply with legal obligations that apply to us.

We do not sell your personal information, and we do not use your ledger data for advertising.

5SMS to your customers

When you enable reminders, the App sends SMS messages to the customer phone numbers you have stored — for example, to notify a customer of an outstanding balance. To do this, the relevant phone number and message content are passed to a third-party SMS gateway that delivers the message.

You control whether reminders are enabled, per shop and per customer. You are responsible for ensuring your customers are willing to receive these messages.

7Data retention

We keep your information for as long as your account is active or as needed to provide the App. If you delete your account, we delete or anonymise your personal data within a reasonable period, except where we are required to retain certain records to comply with legal, tax, or accounting obligations, or to resolve disputes and enforce our agreements.

8Data security

We take reasonable technical and organisational measures to protect your information, including:

Passwords are stored using strong one-way hashing — never in plain text.
Sign-in sessions use secure tokens, and sensitive credentials are held in your device’s encrypted secure storage.
Access to production data is restricted to authorised personnel.

No method of transmission or storage is completely secure, so we cannot guarantee absolute security. Please keep your password confidential and notify us of any suspected unauthorised access.

9Your rights

Depending on where you live, you may have the right to access, correct, export, or delete your personal data, and to object to or restrict certain processing. You can view and edit most of your data directly in the App. For any other request, contact us using the details below and we will respond in line with applicable law.

10Deleting your account

You may request deletion of your account and associated personal data at any time by contacting us at the email address in the Contact section, or through any in-app account-deletion option where available. Once verified, we will delete your data as described in Data retention.

11Children’s privacy

The App is intended for business use by adults and is not directed to children under 13 (or the minimum age required in your jurisdiction). We do not knowingly collect personal information from children. If you believe a child has provided us information, please contact us so we can remove it.

12Changes to this policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the “Last updated” date above and, where appropriate, notify you within the App. Your continued use of the App after changes take effect constitutes acceptance of the updated policy.

13Contact us

If you have questions, concerns, or requests regarding this Privacy Policy or your data, please contact:

Bornali Soft — Developer of BakiKhata
Email: ashad.back@gmail.com
App package: bornalisoft.ehishabboi.com