Privacy Policy

Udhar Master — Digital Khata for Easy Finance Management
Effective date: August 6, 2026
Last updated: August 6, 2026
Package: co.appdev.udharmaster

This Privacy Policy describes how Udhar Master (“we”, “us”, or “the App”) collects, uses, stores, and shares information when you use our mobile application on Android (and related services). By using Udhar Master, you agree to the practices described in this policy.

Privacy contact: For privacy questions or data requests, email udharmaster@nxb.com.pk (replace with your official support email before publishing if different).

1. Who we are

Udhar Master is a digital ledger (khata) application that helps businesses and individuals record customer and creditor accounts, bills, payments, and related business information. The App syncs data with our backend service at udharmaster.vteamslabs.com.

2. Information we collect

We collect information that you provide, information created through App use, and limited device information needed for core features.

2.1 Account and profile information

2.2 Customer and creditor information you enter

When you manage ledgers, you may enter data about your customers and creditors, including:

You are responsible for having a lawful basis to record personal data about your customers and creditors in the App.

2.3 Financial and transaction data

2.4 Authentication and security data

2.5 Voice input data

If you use voice-assisted bill entry, the App requests microphone access to convert speech to text on your device. The resulting text (not a permanent recording of your voice audio, under normal operation) may be sent to our servers to parse the prompt into bill details (ai/parse-prompt).

2.6 Photos and media

You may select images from your device gallery for profile pictures, customer photos, and bill attachments. Selected images may be compressed and uploaded to our servers. The App does not require continuous access to your full photo library; on modern Android versions, the system photo picker is used.

2.7 Device and technical information

2.8 Information we do not collect

3. How we use your information

We use the information above to:

4. Permissions and device features

Depending on your device and how you use the App, Udhar Master may request the following:

Permission / feature Purpose
Internet / network access Sign-in, OTP, cloud sync, image upload, AI parse, and API communication
Network state Detect online/offline status for sync
Microphone Voice input for speech-to-text bill entry
Speech recognition Convert spoken words to text (where provided by the OS)
Biometric / fingerprint / Face ID Quick and secure unlock of saved login credentials on the device
Photos / media (via system picker) Select profile, customer, and bill images
Phone / WhatsApp intents Optional: place a call or open WhatsApp to a number you choose — we do not place calls in the background
Share / storage for exports Create and share PDF/CSV reports you request

5. Where data is stored

5.1 On your device

5.2 On our servers

Account, business, customer, bill, payment, and image data are synced to our backend API at https://udharmaster.vteamslabs.com/api/v3/ so you can restore and sync your ledger when online.

6. Sharing of information

We do not sell your personal information. We may share data only as follows:

We do not use third-party advertising networks in the App.

7. Data retention

8. Your choices and rights

9. Children’s privacy

Udhar Master is intended for business and adult use. We do not knowingly collect personal information from children under 13 (or the minimum age required in your jurisdiction). If you believe a child has provided us personal data, contact us and we will take appropriate steps to delete it.

10. Security

We use reasonable technical and organizational measures to protect information, including encrypted transport (HTTPS) for API communication, account authentication, and device-level biometric protection for optional saved login. No method of transmission or storage is 100% secure; please use a strong password and protect your device.

11. International users

Your information may be processed on servers located in countries other than your own (including where our hosting for vteamslabs.com operates). By using the App, you understand that your information may be transferred to and processed in those locations subject to this policy and applicable law.

12. Third-party services and links

Features such as WhatsApp, the phone dialer, system share, printing, and on-device speech recognition are provided by your device OS or third-party apps. Their privacy practices are governed by their own policies. We are not responsible for third-party apps you open from Udhar Master.

13. Changes to this policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top will change when we do. Continued use of the App after updates means you accept the revised policy. Material changes may also be communicated in the App or via email where appropriate.

14. Contact us

For privacy inquiries, data requests, or questions about this policy:
Email: udharmaster@nxb.com.pk
App: Udhar Master (co.appdev.udharmaster)

15. Google Play Data safety summary

For Google Play Console “Data safety” disclosures, the App typically involves:

This section is a helper for Play Console mapping. Always align the Data safety form with your actual backend practices, retention periods, and the contact email you publish.