Privacy Policy

1. Introduction

EmiGuru ("we", "us", or "our"), operated by Saga Softwares, is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

2. Information We Collect

2.1 Information You Provide Directly

• Account information: name, email address, phone number, billing details
• Business information: store name, GST number, branch details
• Customer data you enter: customer names, contact numbers, purchase records, and EMI details
• Support communications: messages, emails, and chat transcripts

2.2 Information Collected Automatically

• Usage data: pages visited, features used, session duration, click patterns
• Device data: browser type, IP address, operating system
• Log data: server access logs, error logs

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the EmiGuru Service
• Process transactions and send related information
• Send administrative information, support responses, and updates
• Monitor and analyze usage patterns to improve user experience
• Send service-related notifications and marketing communications (with your consent)
• Comply with legal obligations and enforce our Terms

4. Customer Data

Data you enter about your customers (including names, phone numbers, EMI records) is your data. We process it solely to provide the Service to you. We do not use it for our own marketing, share it with third parties, or sell it under any circumstances.

5. Sharing Your Information

We do not sell your personal information. We may share it in the following limited circumstances:

• Service Providers: Trusted third-party vendors who assist in operating our Service (e.g., cloud hosting, payment processors, WhatsApp Business API). These parties are bound by confidentiality agreements.
• Legal Requirements: If required by law, court order, or governmental authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, subject to the acquirer agreeing to maintain your data in accordance with this Policy.

6. Data Retention

We retain your data for as long as your account is active or as needed to provide the Service. Upon account termination, you may request data export within 30 days. After that period, data is permanently deleted from our systems within 90 days.

7. Data Security

We implement industry-standard security measures to protect your data:

• All data is encrypted in transit using SSL/TLS
• Data at rest is encrypted using AES-256
• Daily automated backups with 30-day retention
• Access controls and role-based permissions
• Regular security audits

No method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

8. WhatsApp Integration

When you use EmiGuru's WhatsApp reminder feature, messages are sent via the official WhatsApp Business API. Customer phone numbers are used solely for sending EMI-related messages that you authorize. We comply fully with WhatsApp's Business Policy and do not use customer numbers for any other purpose.

9. Cookies

We use essential cookies to operate the Service (session management, security). We do not use tracking or advertising cookies. You can control cookie settings through your browser preferences.

10. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate data
• Request deletion of your data
• Export your data in a machine-readable format
• Opt out of marketing communications

To exercise these rights, contact us at support@emiguru.in.

11. Children's Privacy

EmiGuru is not intended for use by persons under the age of 18. We do not knowingly collect personal information from minors.

12. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via email or an in-app notice at least 14 days before the effective date.

13. Contact Us

If you have questions about this Privacy Policy or want to exercise your data rights, contact us:

• Email: support@emiguru.in
• Address: Saga Softwares, Panipat, Haryana, India
• Phone/WhatsApp: +91 98022 44899