Privacy Policy

1. Introduction

Welcome to Kameti ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how our mobile application Kameti (Package Name: com.danerp.kameti) collects, uses, discloses, and safeguards your information when you use our mobile app and website at https://kameti.app/.

By downloading, installing, or using the Kameti app, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

To provide transparent digital ROSCA (Kameti / Committee) circle tracking and management, we collect the following types of information:

• Account & Contact Information: Phone number used for OTP authentication, user profile name, and email address (if provided).
• Kameti Committee Data: Information regarding the savings circles you create or join, including committee name, monthly installment amount, member list, draw schedule, and payment status records.
• Device & Usage Information: Technical data including device model, operating system version, unique device identifiers, IP address, and app crash/performance logs.
• Financial Records: Transaction ledger details recorded manually by users within their private committees. Note: Kameti acts as an offline/online ledger tracker and does not directly process bank transactions.

3. How We Use Your Information

We use the collected information for the following purposes:

• To create and manage your Kameti account and verify your phone number via SMS/OTP.
• To synchronize your savings committee records across your devices.
• To send automated payment due reminders and committee updates.
• To display relevant advertisements via Google AdMob.
• To diagnose technical errors, improve app stability, and analyze user experience using Google Firebase.
• To enforce our terms and prevent unauthorized access or fraud.

4. Third-Party Services & Data Sharing

We do not sell, trade, or rent your personal information to third parties. However, we integrate trusted third-party services that process data on our behalf under strict confidentiality agreements:

• Google Firebase: Used for authentication, database synchronization, crash reporting, and analytics. Google Privacy Policy.
• Google AdMob: Used to display in-app advertisements. AdMob may collect device identifiers and usage data to serve personalized or non-personalized ads. Google AdMob Privacy Information.

5. Data Security & Retention

We implement industry-standard administrative, technical, and physical security measures (including HTTPS/TLS encryption) to protect your personal data against unauthorized access, alteration, disclosure, or destruction.

We retain your account and committee data as long as your account remains active or as needed to provide app services to you.

6. Your Data Rights & Account Deletion

You have full control over your data. You have the right to access, update, or request the deletion of your personal data at any time.

7. Children's Privacy

Our app is not intended for use by individuals under the age of 13 (or 18 where applicable). We do not knowingly collect personal information from children. If we discover that a child has provided us with personal data, we will immediately delete it from our servers.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Any changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this Privacy Policy periodically.

9. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: hello@kameti.app / devtechsarena@gmail.com
• Phone: +92 309 3202249
• Address: Karachi, Pakistan
• Website: https://kameti.app/