Privacy Policy

Effective 11 October 2026 · Version 2.0 (first version 14 September 2026)

What we collect

Account: you sign in with Google, which shares your verified email address, your name and an account identifier with us (never your Google password). We ask once for your mobile number and country, and optionally your business name and GSTIN; we also keep the plans you hold, which IBI apps you have signed in to, the month's usage counters (report runs, images, pages) and a record of when you accepted these terms and whether you chose to receive WhatsApp tips and offers. Accounts created before October 2026 with a password keep a salted password hash until they first sign in with Google, when it is deleted. Payments: Razorpay handles card and UPI details; we receive the payment id, amount and status only. Cloud data: only what a Service explicitly syncs when you are signed in on a plan that includes it — the Finance Tracker ledger and GST profiles. Technical: Cloudflare's standard request logs (IP address, user agent) for security and rate limiting.

What stays on your device

Marketplace GST files, generated workbooks and JSON, PDFs you split, and photographs you process with your own API key are handled in your browser and never reach IBI. The BG Remover's IBI Cloud engine forwards a photograph to the image-processing provider through our server and returns the result without storing it. IBI Palmistry sends your palm photo, once and over an encrypted connection, through our server to Google’s Gemini AI (through OpenRouter, using only providers that neither store it nor use it for training) to read your palm lines; the photo is not stored, and your readings stay on your device. We keep only a daily count of readings per account. IBI Horoscope sends only a birth date, time, place (as coordinates and time zone) and, if you choose one, a gender — never a name — once and over an encrypted connection, through our server to Google’s Gemini AI (through OpenRouter, on the same no-storage, no-training terms) to write a reading; scanned horoscope pages are read the same way to copy the birth details. Neither is stored; your people, charts and readings stay on your device, and we keep only a daily count of readings and scans per account. IBI Sites keeps your website drafts and photos in your own browser while you edit; when you publish, the photos (resized) and the pages built from your text are uploaded to our website hosting and become public at the address you chose, together with the business details you entered (name, phone, WhatsApp, email, address). We keep the address, your account and the list of published files so you can update or unpublish it; unpublishing takes the pages offline.

How we use it

To run the Services, enforce plan limits, activate what you have paid for, issue tax invoices, answer support requests and keep the Services secure. Your mobile number is used only to reach you about your account, payments and support. We send WhatsApp tips and offers only if you ticked that box, and you can untick it any time on My account. We do not sell personal data, we do not show your number to anyone else, and we do not advertise.

Where it is stored

Account and cloud data are stored in Cloudflare's key-value storage; images pass through Cloudflare's network to the image provider. Data may be processed in countries other than yours by these providers under their own safeguards. Customers in the EU and UK: IBI acts as the controller of account data and as a processor of the content you sync; the rights below apply to you in full.

Retention and deletion

Cloud data lives while your account does. Delete your account from My account to remove the account record and all cloud data at once; usage counters expire on their own within 40 days. Payment records are kept for the period Indian tax law requires.

Your rights

Download my data and Delete my account are on My account, and you can correct your details there at any time. You can also ask us for a copy of your account data, a correction, or deletion at indiabusinessinternational@gmail.com or WhatsApp +91 8939414799. We answer within 7 working days. This policy follows the Digital Personal Data Protection Act, 2023.

Cookies

First-party session cookies keep you signed in for 30 days — one for each IBI app you sign in to, because each app has its own sign-in. There are no advertising or analytics cookies.