Beta draft. These policies describe how the app works today and are pending review by Ritwik Finance's legal counsel. Items marked “to be confirmed” will be finalised before general release.

Data We Store & Retention

Effective 30 September 2026 · Beta 0.9

In short

Every kind of data the app stores, where it lives and how long we keep it. Money records are kept longest, because Indian law requires it. Everything else is kept only as long as it's useful for claims, audits and disputes.

Where data is stored

  • Database: managed PostgreSQL, encrypted in transit, with daily backups.
  • Photos and receipts: private cloud storage (Google Cloud Storage, Mumbai region), never publicly accessible.
  • On your phone: only a sign-in cookie, and GPS points waiting to upload during a trip (see Cookies & Local Storage).

Retention by category

DataKept forReason
Wallet ledger, reimbursements, payouts, bank details used for payouts8 years after the financial yearBooks of account: Companies Act, 2013 s.128; Income-tax rules
Trips: distance, amounts, approvals and remarks8 yearsSupporting records for payments
Raw GPS points of a trip3 years after the trip is paid or rejectedDisputes and audits; after that, only the calculated distance is kept
Odometer, visit and receipt photos; travel tickets3 years after the trip or claim is paid or rejectedEvidence for claims
Travel claims (bus, train, cab) and their approvals8 yearsSupporting records for payments
Customer visit details (name, mobile)3 years after the tripProof of field visits
Security audit log, sign-in history3 yearsSecurity investigations
Problem reports and ideas2 years after they are resolvedImproving the app
One-time sign-in codesMinutes (they expire after 10 minutes)Sign-in only; only a hash is stored
Your employee profileDuration of employment + 8 yearsLinked to financial records

Beta note: automatic deletion jobs for these periods are being finalised. Until then, data is kept and protected as described in the Privacy Policy.

When you leave the company

Your account is disabled immediately, so you can't sign in and your sessions end. Records are then kept for the periods above and deleted or anonymised afterwards.

Requesting your data

Most of your data is visible in the app. For a full summary, or to request correction or erasure, email the Grievance Officer listed in the Privacy Policy.

Ritwik Finance · Beta 0.9 · Questions: privacy@ritwikfinance.com