Jeedle Privacy Policy

1. Information we collect

We try to collect as little as possible. Everything below is information you give us or that is needed to run the Service — we don’t buy data about you, and we don’t gather it from other apps.

a. Account information (from Google Sign-In)

Signing in is done only through Google — there are no passwords and no OTP codes. When you sign in, Google gives us a verified token from which we store:

• your email address;
• your name, as it appears on your Google account;
• your Google profile photo (a link to it), used as your avatar; and
• a Google account identifier that lets us recognise you on the next sign-in.

We never receive or store your Google password. We do not request access to your Gmail, Google Drive, contacts, or any other Google data.

b. The financial details you enter

The plan is built entirely from numbers you type in yourself. Depending on what you choose to enter, this can include:

• your monthly take-home pay and your payday, and how reliable that income is;
• your rent, bills, and recurring or yearly costs;
• your loans / EMIs — a label you give them, the monthly amount, interest rate, and months left;
• a savings goal — a label and target amount;
• your safety-net (emergency fund) target;
• your current money-in-hand / balance check-ins (a figure you choose to enter — not read from any bank); and
• your city or city-tier, used to tailor typical-cost comparisons.

Your plan is saved as dated versions, so your history is kept and you can see what changed.

c. Your conversations with the AI companion

If you use “Ask Jeedle”, we store, so the conversation can follow you across your devices:

• the messages you send and the replies Jeedle gives;
• money decisions you tell it about or commit from a chat (e.g. “started a Goa fund”, “bought a phone”), kept as a timeline;
• things you choose to share about yourself — a preference, a worry, or a hope (e.g. “I want a flat someday”) — saved as short notes so the companion can be more helpful over time; and
• topics you keep returning to (e.g. a purchase you’ve asked about a few times).

These conversation records, decisions, and notes are encrypted at rest (see section 5). The companion is designed never to store an investment recommendation or anything outside everyday money.

d. A profile photo (optional)

You may set a profile photo from your device’s photo library. If you do, that image is uploaded and stored on our servers as your avatar. We only access the single photo you pick — we don’t scan or read your photo library.

e. Limited technical information

To keep the Service running and secure, our server briefly handles standard technical data:

• your IP address, used transiently to apply rate limits and protect against abuse;
• basic request logs — the time, the action taken (for example “plan saved” or “signed in”), and whether it succeeded. These logs do not contain the contents of your plan or your messages; and
• a small audit record of account events (such as sign-in and plan updates) tied to your account, used for security and troubleshooting.

2. What we never collect

This is the heart of how Jeedle is built. We do not collect, and have no way to see:

• your bank login, account number, or card details — Jeedle never links to a bank or payment account;
• your transactions or statements — there is nothing to upload and nothing to scrape;
• your SMS or messages — Jeedle does not read texts;
• your location, your contacts, or your microphone (microphone access is explicitly disabled in the app); and
• any advertising identifier or cross-app tracking signal — the app contains no advertising or analytics SDKs.

3. How we use your information

We use the information above only to run Jeedle for you:

• to calculate your safe daily/weekly pace, your plan, and the insights you see;
• to power the AI money companion when you choose to use it (see section 4);
• to sync your plan and history across your devices when you’re signed in;
• to send the optional reminders you turn on (payday, an upcoming bill, a weekly recap). These are scheduled locally on your device — we do not run a push-notification server, and no “push token” or device identifier is sent to us for this;
• to keep the Service secure, prevent abuse, and fix problems; and
• to comply with applicable law.

We do not use your information to show you ads, to build an advertising profile, or for any purpose unrelated to giving you your money plan.

4. The AI companion and AI providers

Jeedle’s “Ask Jeedle” companion is powered by a third-party AI provider. So you understand exactly what leaves your device when you chat:

• When you send a message, your app prepares a snapshot of the relevant plan figures — the same numbers already shown to you in the app (for example your take-home, your pace, your goal progress, your loan EMIs, your city) — together with your first name and your recent messages.
• That information is sent securely to our server, which forwards it to the AI provider to generate a reply. This snapshot is not stored by us; it is assembled for each message to ground the answer in your real numbers.
• We choose AI providers whose terms state that they do not use data submitted through their interface to train their models. The provider currently used is Groq, Inc. (running an open-weights model). We may change providers as the product matures — for example to Google (Gemini), OpenAI, or Anthropic — and will keep this policy updated.
• The provider’s API key lives only on our server and is never placed in the app.
• We do not use your conversations to train any AI model of our own.

The companion is a planning aid. It is built to give general cash-flow and budgeting guidance only, and it is explicitly prevented from recommending specific investment, insurance, tax, or legal products. It is not a substitute for professional advice — see our Terms of Use.

5. Where your data is stored and how it’s protected

On your device

Your plan, your cached conversations, your insights, and your settings are stored on your phone so the app works quickly and (in some builds) even offline. Your sign-in token is stored in your device’s secure keychain (via the operating system’s secure storage), not in ordinary app storage.

On our servers

When you’re signed in, your data is also saved to our server so it can sync across devices and not be lost if you change phones. We protect it with:

• Encryption in transit — all traffic between the app and our server uses HTTPS/TLS.
• Encryption at rest — your saved plan, your chat messages, your decision timeline, and the about-you notes are encrypted using AES-256-GCM before they are written to the database.
• Access controls — every request is tied to your verified account, so you can only ever read or write your own data; sign-in and the API are rate-limited to resist abuse.

To be straight with you: this is strong, standard encryption, but it is not “zero-knowledge”. Because we need to decrypt your figures to compute your plan and run the companion, our server holds the key and can technically access your data to provide the Service. Some fields needed to operate your account — your email, name, profile photo, and the plain balance number used for the daily pace — are stored without field-level encryption. No method of storage is ever 100% secure, but we work to protect your information using the measures above.

6. Who we share your information with

We do not sell, rent, or trade your personal information, and we never share it with advertisers. We share data only with the service providers that make Jeedle work (“processors”), and only as needed:

• Google — to verify your sign-in (Google Sign-In).
• Our AI provider (currently Groq; see section 4) — to generate companion replies, when you use the chat.
• Our hosting provider (Render) — which runs our server and database.
• Loops — only if you join our early-access waitlist on the website, to store your email and send you launch updates (see section 11).

We may also disclose information if we are required to by law — for example, a valid legal order — or where necessary to protect the rights, safety, or security of our users or the Service. If Jeedle is ever involved in a merger, acquisition, or sale of assets, we’ll notify you before your information becomes subject to a different privacy policy.

7. Where your data is kept

Jeedle is built for users in India, but our hosting and AI providers may store and process data on servers located outside India, including in the United States. By using the Service, you consent to your information being transferred to and processed in those locations. We take steps to ensure your information remains protected wherever it is handled, consistent with this policy.

8. How long we keep your information

We keep your information for as long as your account is active, so the Service can work for you. Plan changes are kept as dated versions to preserve your history. When you delete your account (see section 9), your data is removed as described there.

Jeedle is currently in an early-access phase. During this period, the underlying infrastructure may be reset from time to time as we build and test; we’ll always aim to protect and preserve your data, but we recommend you treat early-access data as not guaranteed permanent.

9. Your rights and choices

You’re in control of your data:

• Erase everything. In the app, under your profile, you can delete your account and all its data. This is a permanent (hard) delete: it removes your account from your device and from our servers, including your plan and its history, your conversations, your decision timeline, and your notes. Nothing is kept in a backup, and signing in again later starts a fresh, empty account.
• Access and correct. You can view and change the information in your plan and profile at any time directly in the app. You may also contact us to request a copy of your data.
• Manage reminders. Notifications are off until you turn them on, and you can switch them off at any time — in the app or in your phone’s settings.
• Sign out on any device.

If you are in India, the Digital Personal Data Protection Act, 2023 gives you rights to access, correct, and erase your personal data, to nominate another person to exercise your rights, and to a grievance-redressal process. You can exercise these rights using the controls above or by contacting us (section 13). We’ll respond within the timeframes required by applicable law.

10. Children

Jeedle is a financial-planning tool intended for adults. It is not directed at anyone under 18, and we do not knowingly collect personal data from children. If you believe a child has provided us information, please contact us and we will delete it.

11. Early-access waitlist (website)

If you join the waitlist on jeedle.com to get early access, we collect the email address you provide and store it with our email provider, Loops, so we can email you when Jeedle opens. We use it only for that purpose. There’s an unsubscribe link in every email, and you can ask us to remove your address at any time.

12. Changes to this policy

We may update this Privacy Policy as Jeedle evolves — for example, if we change our AI provider or add a feature. When we do, we’ll change the “Updated” date above, and for significant changes we’ll give you a more prominent notice in the app or by email. Continuing to use the Service after a change means you accept the updated policy.

13. Contact and grievances

If you have any question about your privacy, want to exercise a right, or wish to raise a concern, reach us at:

• Privacy & data: privacy@jeedle.com
• Support: support@jeedle.com
• General: hello@jeedle.com

For users in India, our Grievance Officer can be reached at privacy@jeedle.com (Attn: Grievance Officer, Raghav Singhal). We aim to acknowledge grievances promptly and resolve them within the timeframes set by applicable law.