Last updated: April 17, 2026
Introduction
CreditEazy ("we", "our", "us") is a mobile accounting application for tracking customer credit and debit ledgers. This Privacy Policy explains how we collect, use, and protect your information when you use our mobile application ("App").
By using CreditEazy, you agree to the collection and use of information as described in this policy.
Information We Collect
1. Data You Enter
All ledger data you enter into the App is stored locally on your device using an on-device database. This includes:
- Customer information: names, phone numbers, and addresses
- Sales records: amounts, descriptions, and dates
- Payment records: amounts, payment mode (cash or bank), reference numbers, and dates
This data is not transmitted to our servers and remains on your device unless you choose to back it up (see "Google Drive Backup" below).
2. Google Account Information
If you sign in with Google, we access:
- Google user ID (hashed for privacy) — used solely to bind your premium license to your account so it can be restored on a new device
- Google Drive app-specific storage — used only if you choose to back up your data (see below)
We do not access your email content, contacts, calendar, or any other Google account data.
3. Analytics and Advertising Data
We use Google Firebase Analytics and Meta (Facebook) SDK to understand how the App is used and to measure the effectiveness of our advertising campaigns. These services may collect:
- Usage data: screens viewed, features used (e.g., first sale recorded, subscription purchased), and session information
- Device metadata: device model, operating system version, app version, and language
- Advertising identifiers: on iOS, the Identifier for Advertisers (IDFA) is collected only after you grant permission through the App Tracking Transparency prompt. On Android, the Google Advertising ID may be collected.
What we send to Meta: We share only two conversion events — when you record your first sale and when you purchase a premium subscription. These events help us measure ad campaign performance. We do not share your ledger data, customer information, or any personal financial data with Meta.
App Tracking Transparency (iOS): On iOS, we request your permission before collecting advertising identifiers. If you decline, Meta will not receive your advertising identifier, though anonymous event data may still be sent. You can change this setting at any time in your device's Settings > Privacy & Security > Tracking.
4. Device Information
We collect a hashed device identifier generated from your device's vendor ID (iOS) or Android ID. This identifier is:
- One-way hashed (SHA-256) before use — we never store or transmit the raw device ID
- Used solely to bind premium licenses to your device
- Sent to our backend only during premium purchase and license verification
5. Payment Information
When purchasing a premium subscription via eSewa, we process:
- A unique order ID generated by our system
- Transaction verification data from the payment gateway
We do not collect or store your eSewa credentials, bank account details, or payment card numbers. All payment processing is handled by the third-party payment gateway (eSewa).
How We Use Your Information
| Information | Purpose |
|---|---|
| Ledger data (customers, sales, payments) | Stored locally to provide core app functionality |
| Analytics and usage data | Understand app usage patterns and improve the App |
| Advertising conversion events | Measure effectiveness of advertising campaigns |
| Hashed Google user ID | License binding and restoration across devices |
| Hashed device identifier | License binding to prevent unauthorized sharing |
| Payment transaction data | Premium subscription verification |
Google Drive Backup
If you choose to back up your data:
- Backups are stored in your Google Drive's app-specific folder (
appDataFolder), which is only accessible by CreditEazy and is not visible in your regular Google Drive - Backup files contain your ledger data (customers, sales, payments) in JSON format
- Backups are stored entirely within your own Google Drive account — we do not have access to, read, or store your backup data on our servers
- You can delete backups at any time from within the App or directly from your Google account
Data Storage and Security
- Local-first architecture: All ledger data is stored on your device using SQLite. No ledger data is sent to or stored on our servers.
- Hashing: Device identifiers and Google user IDs are cryptographically hashed (SHA-256) before transmission.
- Secure communication: All communication with our backend uses HTTPS encryption.
- License tokens: Premium license tokens are cryptographically signed and verified locally on your device.
Third-Party Services
We use the following third-party services:
| Service | Purpose | Privacy Policy |
|---|---|---|
| Google Firebase Analytics | App usage analytics and event tracking | Google Privacy Policy |
| Meta (Facebook) SDK | Advertising conversion measurement | Meta Privacy Policy |
| Google Sign-In | Authentication and license restoration | Google Privacy Policy |
| Google Drive API | Optional data backup | Google API Services User Data Policy |
| eSewa | Payment processing for premium subscriptions | eSewa Privacy Policy |
| Cloudflare Workers | Backend API for payment processing and license management | Cloudflare Privacy Policy |
Data Retention
- Ledger data: Stored on your device until you delete it or uninstall the App.
- Google Drive backups: Stored in your own Google Drive account until you delete them. We have no access to these files.
- License records: Retained on our backend server for the duration of your subscription to enable license restoration.
- Payment records: Transaction verification records are retained on our backend for legal and accounting purposes.
Your Rights
You have the right to:
- Access your data: All your ledger data is available within the App at any time.
- Delete your data: You can delete individual records, clear all data, or uninstall the App to remove all local data.
- Delete backups: You can delete Google Drive backups from within the App.
- Revoke Google access: You can revoke CreditEazy's access to your Google account at any time through your Google Account settings.
- Opt out of ad tracking (iOS): You can disable tracking at any time in Settings > Privacy & Security > Tracking.
- Opt out of ad tracking (Android): You can reset or delete your advertising ID in Settings > Privacy > Ads.
Children's Privacy
CreditEazy is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us so we can take appropriate action.
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Last Updated" date at the top of this policy. Continued use of the App after changes constitutes acceptance of the revised policy.
Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at:
Email: saugatpandey03@gmail.com
This privacy policy is effective as of April 17, 2026.