Privacy Policy

Last updated: March 1, 2026

1. Introduction

Artha ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Artha mobile application ("App").

By using the App, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use the App.

2. Information We Collect

2.1 Information You Provide

  • Account Information: Name, email address, and password when you create an account.
  • Financial Data: Transaction details, account information, budgets, categories, debts, and goals you enter manually.
  • Receipt Images: Photos of receipts you upload for AI scanning.
  • Chat Messages: Messages you send to the AI assistant for financial insights.
  • Support Communications: Messages you send to our support team.

2.2 Information Collected Automatically

  • Device Information: Device type, operating system version, and app version.
  • Usage Data: Features you use, screens you visit, and actions you take within the App (collected via PostHog analytics).
  • Crash Reports: Diagnostic data to help us identify and fix bugs.

3. How We Use Your Information

  • To provide and maintain the App's functionality.
  • To process receipt images using AI for automatic data extraction.
  • To categorize transactions and provide financial insights via AI chat.
  • To send you notifications about budgets and spending.
  • To improve the App and develop new features.
  • To respond to your support requests.
  • To ensure the security of your account.

AI Consent: Before using cloud AI features (chat assistant and receipt scanning), you will be asked to provide explicit consent to share your financial data with OpenRouter, our third-party AI provider. You can opt out and use local on-device AI instead, which keeps all data on your device.

4. Data Storage & Security

4.1 Local-First Architecture

All your financial data is stored locally on your device in an encrypted SQLite database. Your data remains on your device by default and works fully offline.

4.2 Optional Cloud Sync

If you enable cloud sync (optional), your transaction data is encrypted and securely synced to our servers for backup and multi-device access. You control whether cloud sync is enabled.

4.3 Encryption

We use industry-standard encryption to protect your data:

  • Data in transit: TLS 1.3 encryption for all network communication.
  • Data at rest: AES-256 encryption for data stored on our servers.
  • Local storage: iOS Keychain for sensitive credentials, encrypted SQLite database for financial data.

4.4 Receipt Images

Receipt images uploaded for AI processing are temporarily stored in Google Cloud Storage during analysis and automatically deleted within 24 hours. Images are never used for AI model training or shared with third parties beyond the processing service.

5. Third-Party Services

We use the following third-party services:

  • OpenRouter: For AI-powered chat assistant and financial insights (third-party AI service). Used only when you enable cloud AI and provide explicit consent. Chat messages and transaction context are sent to OpenRouter for processing.
  • Google Cloud Storage: For temporary receipt image processing (asia-south1 region). Images are deleted within 24 hours.
  • PostHog: For anonymized usage analytics to understand how users interact with the App and improve features. You can opt out of analytics in Settings > Privacy.
  • Google Sign-In: For optional authentication via Google account (OAuth 2.0).
  • Apple Sign-In: For optional authentication via Apple ID.

These services have their own privacy policies governing the use of your information. We do not sell your financial data to third parties.

6. Your Rights

You have the right to:

  • Access the personal data we hold about you.
  • Request correction of inaccurate data.
  • Request deletion of your data (account deletion will remove all associated data from our servers within 30 days).
  • Export your financial data in standard formats (CSV, JSON).
  • Withdraw consent for data processing at any time.
  • Opt out of analytics tracking via Settings > Privacy.
  • Switch between cloud AI and local AI at any time.

For users in India: This Privacy Policy complies with the Digital Personal Data Protection Act 2023. You have the right to data portability, erasure, and correction as outlined above.

7. Data Retention

We retain your data for as long as your account is active. Upon account deletion:

  • All personal data and financial records are permanently deleted from our servers within 30 days.
  • Local data on your device is immediately cleared.
  • Anonymized, aggregated usage data (no personally identifiable information) may be retained for analytical purposes.

8. Children's Privacy

The App is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected data from a child, we will take steps to delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy within the App and updating the "Last updated" date. For material changes, we will send you a notification via email or in-app alert. Continued use of the App after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy or your data, contact us at:

Email: hello@naveenschoudhary.com

Privacy Requests: For data access, deletion, or correction requests, please email us with "Privacy Request" in the subject line.