This policy explains what personal data FID collects, why, and the choices you have. It is written to align with India's Digital Personal Data Protection Act, 2023 ("DPDP Act"). In this policy, "FID", "we" and "us" refer to the operator of this service, and "you" refers to anyone using it.
1. What we collect
- Account details: your name, email address and a hashed version of your password.
- Financial information you enter: transactions, categories, budgets, loans, holdings, salary and tax inputs, insurance cover and plans you save. This information is entered by you or imported from a file you choose to upload.
- Family group information: if you create or join a family group, the members of that group and the data shared within it.
- Technical data: standard server logs (such as IP address, browser type and time of request) used to keep the service secure and working.
2. What we do not collect
FID does not ask for or store bank, card or UPI passwords or PINs. We do not connect to your bank, use account aggregators or read your SMS messages. Public calculators work without an account, and the numbers you type into them are not stored unless you choose "Save to FID".
3. Why we use your data
We process your personal data, with your consent, only to provide FID's features to you: showing your dashboard, budgets, forecasts and health score; sending notifications and monthly reports you have not turned off; keeping your account secure; and responding to your requests. We do not sell your data, use it for third-party advertising, or share it with lenders or product sellers.
4. Who can see your data
Your data is visible to you and, for data in a family group, to the members of that group. Service providers that host the application or send email on our behalf process data only to provide those services to us. We may disclose data if required by law.
Questions you ask FID Answers
When you type a question into "Find my answer", FID first answers from its own calculators and guides. If AI summaries are switched on, the text of your question and FID's matching content are also sent to the AI service named on the page (such as Google Gemini or Groq) to write a short summary. These services are used on their free tiers, and the provider may use what it receives to improve its products under its own terms. FID does not save your questions or link them to your account. Please do not include personal details such as your name, PAN, account numbers or contact details in a question.
5. How long we keep it
We keep your data while your account is active. When you delete an item it is removed from your account. When you ask us to delete your account, we erase your personal data within a reasonable period, except where we must retain it to meet a legal obligation.
6. Security
Pages are served over HTTPS, passwords are stored as one-way hashes, and access is separated by account and family group. No method of storage or transmission is completely secure, but we work to protect your data and will notify you and the authorities of a personal-data breach as the law requires.
7. Your rights
Under the DPDP Act you can:
- ask for a summary of the personal data we hold about you and how it is processed;
- correct, complete or update your data — most of it you can edit directly in the app;
- withdraw consent and ask us to erase your data;
- nominate another person to exercise these rights if you are unable to; and
- raise a grievance with us, and if it is not resolved, with the Data Protection Board of India.
8. Children
FID accounts are meant for people aged 18 and over. Information about children entered by a parent or guardian (for example, a Sukanya Samriddhi account) is treated as part of that adult's data.
9. Cookies and local storage
We use a session cookie to keep you signed in and a security token to protect forms. Your browser may also store display preferences such as theme. We do not use advertising or cross-site tracking cookies.
10. Changes
If we make material changes to this policy, we will update the date above and let signed-in users know in the app.
11. Contact and grievances
For questions, requests or grievances about your personal data, use the privacy request form from your registered email address. We will acknowledge your request and respond within the time required by law.