Privacy Policy
Perovo is a local-first app. Your financial data is written to storage on your own device first, and it works with no account at all. Cloud backup is optional, off by default, and only for Pro accounts. This page states plainly what leaves your device and what never does.
1. What we collect
Only what the product needs to compute your numbers:
- Account (only if you sign in): email address, and a display name if you set one.
- Financial data you enter: bills and EMIs, income, assets and liabilities, instruments, lending and borrowing records, goals. PAN and mobile number are optional and used only where you enter them on a document or agreement.
- Device and product signals: app version, device label (for example "Chrome on Windows"), language, session identifier, and anonymous feature-usage events.
- Crash information: error message, source and a truncated stack trace, with emails, phone numbers, PAN, long identifiers and tokens stripped before the report is stored or sent.
We do not read your SMS, call logs, contacts or bank accounts. Perovo has no bank or account-aggregator connection — every figure in the app is one you entered or imported yourself.
2. Where your data is stored
| On your device | Default and primary location. Financial data lives in the app's local storage and is not uploaded unless you switch cloud backup on. |
|---|---|
| Perovo cloud backup | Optional, Pro only, off by default. A snapshot of your data is stored in our Supabase project (hosted in the cloud), protected by your account login and per-row database access rules so no other account can read it. Encrypted in transit (TLS) and at rest by the database provider. The snapshot itself is stored as readable JSON to your own authenticated session, so enable backup only on devices you trust. |
| Payments | Handled entirely by Razorpay. Perovo never receives or stores your card, UPI or bank credentials. |
3. Why we process it
- To calculate your Perovo Score, commitment burden, survival runway, net worth and lending records.
- To back up and restore your data when you explicitly enable cloud backup or press Restore.
- To keep the app working — diagnosing crashes and measuring which features are used.
- To process Pro subscription payments and provide support you ask for.
4. What we never do
- We do not sell, rent or trade your data.
- We do not share it with credit bureaus, lenders, or data brokers.
- We do not use your financial data for advertising, and we serve no ads.
- We do not run credit checks and we do not lend money.
5. Third parties we use
| Supabase | Authentication, optional cloud backup, app release files. |
|---|---|
| Razorpay | Pro subscription payments. |
| Vercel | Hosting for this marketing website only — no financial data. |
| PostHog / Sentry | Product analytics and crash reporting, when configured for a build. Both are covered by the opt-out below, and crash reports are redacted before sending. |
6. Your choices
- Use it without an account. Sign-in is only needed for cloud backup, Pro and lending invitations.
- Turn analytics and crash reporting off in the app under Profile → Privacy & consent. Diagnostics then stay on your device only.
- Withdraw consent per purpose (financial tracking, cloud sync, notifications) at any time in the same screen.
- Keep cloud backup off and nothing financial ever leaves the device.
7. Your rights under the DPDP Act 2023
- Access and portability: Profile → Backup & data → Export data gives you a full JSON copy.
- Correction: edit or delete any entry directly in the app.
- Erasure: Profile → Delete all data wipes local data; deleting your account removes cloud data.
- Grievance: write to support@perovo.in and we will respond within 30 days.
8. Retention
- Local data: kept until you delete it or uninstall the app.
- Cloud backup: the latest snapshot is kept while backup is on, and deleted within 30 days of account deletion.
- Crash and usage records: retained no longer than 12 months.
9. Children
Perovo is not intended for anyone under 18. We do not knowingly process a child's data; if you believe we have, contact us and we will delete it.
10. Changes and contact
If this policy changes materially we will update the effective date above and note it in the app's changelog. Questions, requests or complaints: support@perovo.in.