Your financial data is among the most sensitive information you have. Here's exactly how CiviQ handles it — no corporate doublespeak.
What we store
- Your name, email, and password (hashed — we can't read it)
- Transactions you log — amounts, categories, dates
- Account names and balances you enter
- Budget limits you set
- Goal names and amounts
- Documents you upload to the vault (encrypted)
What we do NOT store
- Your banking credentials or OTPs
- Your PAN or Aadhaar
- Your actual bank statements
- Your SMS or notification content
AI features and your data
When CiviQ generates AI insights, it sends a summary of your spending patterns to an AI service for processing. Before this happens, all personal identifiers are removed — the AI sees 'Food & dining: ₹6,400' not 'Hari's Swiggy orders from HSR Layout'. Your name, phone, account numbers, and specific merchant addresses never leave our servers in identifiable form.
Your rights under DPDP Act 2023
- Right to access: Request a copy of all data we hold about you
- Right to correction: Ask us to fix inaccurate data
- Right to erasure: Request complete deletion of your data
- Right to grievance: Contact privacy@civiq.in for any concern
Download your data
Go to Settings → Data → Export your data. Choose CSV or JSON. Your complete transaction history, accounts, budgets, and goals download in seconds.
Delete your account
Go to Settings → Data → Delete account. Confirm. Your account and personal data are deleted within 30 days. Financial records may be retained in anonymised form as required by Indian regulations.