// POLICY REGISTRY

Privacy Policy

LAST UPDATED: 2 AUGUST 2026

This policy describes how SettleShip ("the App"), operated by Red Evolve Technologies Private Limited ("we," "us," "our"), GSTIN 07AANCR2428R1ZN, collects, uses, and protects your information.

1. What we collect

We collect only the information needed to run the App:

• Account data: Name, email address, and phone number (if you create an account).
• Contact access: With your permission, we may read your device contacts to suggest crew members for a group. We do not upload or store your full contact list on our servers.
• UPI identifiers: UPI IDs (VPA) or linked mobile numbers you enter to generate payment links or QR codes.
• Expense data: Expense descriptions, amounts, splits, group membership, and optional receipts or photos you attach.
• Receipt images: Photos you choose to attach to an expense, taken with your camera or picked from your photo library with your permission. See section 4 below.
• Device/technical data: Device type, OS version, crash logs, and limited usage analytics to keep the App stable.

2. What we do not collect

• We do not collect passwords, banking credentials, or full UPI PINs.
• We do not process payments ourselves. UPI transactions happen in your own UPI app.
• We do not sell your personal data.
• We do not receive your biometric data. If you enable app lock, Face ID, fingerprint, or passcode verification is handled entirely by your device and the biometric templates never leave it.

3. How we use your information

• To calculate balances and simplify who owes whom.
• To generate UPI payment links and QR codes for settlement.
• To send you transactional notifications (e.g., settlement reminders).
• To improve stability, fix bugs, and prevent abuse.

4. Receipts and optional scanning (OCR)

You can attach a receipt photo to an expense using your camera or photo library, with your permission. If you choose to use scan/OCR, the receipt image is uploaded to our backend storage and sent to a third-party AI provider (OpenAI) which processes the image and returns suggested fields such as description, amount, category, and date. You review and can edit every suggestion before saving.

• Scanning is optional. You can attach a photo without scanning, or fill in every field manually. OCR requires a network connection.
• The AI provider acts as a service provider for us, processing the image to return structured suggestions under confidentiality and security obligations, like our other processors.
• We do not use receipt images for advertising.
• Receipts attached to a shared expense are visible to the other members of that crew, along with the rest of the expense details.

5. Payments and UPI data

SettleShip does not hold or move money. When you settle a balance, the App creates a UPI deep link or QR code that opens your own UPI app (such as Google Pay, PhonePe, or Paytm). The payment is completed between you and your bank/UPI app; we do not receive or store transaction passwords, PINs, or bank account numbers.

6. Sharing your information

We do not sell your personal information. We share data only in limited cases:

• With other members of a group you belong to, so they can see shared expenses and balances.
• With service providers who help us host, secure, or operate the App (for example, cloud hosting, analytics, or the receipt-scanning AI provider described above), under confidentiality and security obligations.
• When required by law, court order, or to protect our rights and users.

7. Storage, retention, and deletion

Your data is stored in secure cloud infrastructure. The App also keeps an offline cache of your fleet data (crews, expenses, and balances) on your device so you can use it without a connection; it syncs when you are back online and is cleared when you sign out or delete the App. You can delete a group, expense, or your account from within the App. When you delete your account, we remove your personal data from active systems within a reasonable time, unless we need to retain it for legal or security reasons.

8. Security

We use industry-standard measures to protect your data, including encryption in transit, access controls, and regular security reviews. No system is completely secure, so please protect your device and do not share your UPI PIN.

9. Your rights

Depending on where you live, you may have rights to access, correct, or delete your data. You can do most of this directly in the App. For other requests, contact us at the email below.

10. Cookies and tracking

The App does not use third-party advertising cookies. We may use limited analytics and technical cookies to understand how the App is used and to keep it running smoothly.

11. Children's privacy

SettleShip is not intended for children under 13. We do not knowingly collect data from children under 13. If you believe we have, please contact us so we can delete it.

12. Changes to this policy

We may update this policy from time to time. The updated version will be posted here with a new "last updated" date. We will notify you of significant changes through the App or by email when required.

13. Contact us / Grievance Officer

For privacy questions, data requests, or concerns, please contact our Grievance Officer (Data Protection):