NiyamPay is privacy-first. The debts, income, expenses and payments you enter are stored in your own NiyamPay account and protected by database row-level security, so only your signed-in account can read or change them. We do not run ads, sell data, or share your financial information with lenders or brokers.
What we store
Debt records (lender name, balance, rate, EMI, due date), budget entries, payment history and your app preferences. No PAN, Aadhaar, bank credentials or OTPs are ever requested.
Your data, your control
Profile → Download Full Data (JSON) gives you a complete structured export at any time. Profile → Delete All My Data erases every debt, payment and budget record, and Delete My Account removes your login and all linked records. Deletion is immediate and irreversible.
Sign-in data
We store your email address (and, if you use Google sign-in, the basic profile Google returns) purely to authenticate you. Financial data is never used for advertising or profiling.
Contact
For any privacy question, reach out through the app's support channel.