Privacy Policy

Last updated: 23 August 2026

This policy explains what information Gharmint collects, why we collect it, and how we protect it. It covers the Gharmint app (iOS and Android), the web app at app.gharmint.com, and our marketing website.

Who we are

Gharmint is operated by Gharmint Technologies Pvt. Ltd. ("Gharmint", "we", "us"), India. For any privacy question, or to exercise the rights described below, contact us using the details at the end of this page.

What the app is for

Gharmint lets a tenant pay their rent and earn reward points on those payments. Your landlord does not need a Gharmint account: rent reaches them at the UPI ID or bank account you tell us to pay. We collect what is needed to make that payment, to record it, and to award your points — and not more.

Information we collect

When you create an account

• Your mobile number — this is how you sign in. We send a one-time code to verify it. Sign-in is handled by Firebase Authentication (Google) on our behalf.
• Your name and email address — optional. You can use the app without either.

When you add a rental

• The address of the home you rent, including its city and PIN code, and the approximate map location we derive from that address.
• Your monthly rent, the day it is due, and a nickname for the property if you set one.
• Your payee's details — the name of the person or entity you pay, and their UPI ID or bank account number and IFSC code. We store these so you do not have to re-enter them each month.
• Documents you choose to upload, such as a rental agreement, where a feature asks for them.

When you pay rent

• A record of each payment — the amount, the month it covers, when it was made, and whether it succeeded.
• Your reward points and coupons — points earned, points spent, and the coupon codes issued to you.
• We do not collect or store your card number, UPI PIN, bank password, or CVV. Payments are handled entirely by our payment provider (see "How we share your information"); those details go to them, never to us.

Automatically

• A push notification token for your device, if you allow notifications, so we can tell you when rent is due or a payment completes.
• Basic technical information — device type and app version, your approximate location from your IP address, and standard server logs — to keep the service secure and working.

What stays on your device and never reaches us

• Your app-lock PIN is scrambled on your phone and stored only there. We never receive it, and it is not your account password — it locks the app on that device.
• Face ID / fingerprint is checked by your phone. We never receive biometric data of any kind.

How we use your information

• To sign you in and keep you signed in.
• To make the rent payments you ask us to make, and to show you what you have paid.
• To calculate your reward points and issue coupons.
• To send you notifications about your rent and payments.
• To provide support when you contact us.
• To keep the service secure, detect fraud and abuse, and meet our legal obligations.

We use your information to provide the service you asked for. We do not sell it, we do not use it for advertising, and we do not track you across other companies' apps or websites.

How we share your information

We share only what a provider needs to do its job:

• Cashfree Payments — processes rent payments. Your payment details go directly to them; they are an RBI-authorised payment aggregator.
• Your payee — the person or entity you are paying receives the payment. They do not receive your mobile number from us.
• Google (Firebase) — provides sign-in verification and push notification delivery, and receives limited technical data as part of those services.
• Amazon Web Services — hosts our servers and database, in India.
• Reward partners — when you redeem points, we issue you a coupon code. We do not share your identity, contact details, or payment history with the brand.

We may also disclose information where the law requires it. We do not sell your personal information.

How long we keep it

We keep your account information while your account is open. Records of completed payments are kept for as long as tax and financial-record rules require, even after an account is closed, because we are obliged to be able to show that a payment happened. Everything else is deleted or anonymised when it is no longer needed.

Deleting your account

You can delete your account from inside the app at any time: Profile → Delete account. This permanently erases your account, your rentals and payees, your payment history, your reward points and coupons, and your notification tokens. It cannot be undone. Where the law requires us to retain a financial record of a completed payment, that record is kept in a form that is no longer linked to your account.

You can also ask us to delete your account by emailing us from the address on your account, or quoting your registered mobile number.

How we protect your information

Information travels over an encrypted (HTTPS) connection and is stored on access-controlled infrastructure. Your session is kept in your device's secure storage. No system is perfectly secure, but we take reasonable technical and organisational measures to protect your data and we limit who inside Gharmint can reach it.

Your choices and rights

• Access and correct — view and edit your profile in the app, or ask us.
• Delete — delete your account in the app, as described above.
• Notifications — turn push notifications off at any time in your phone's settings.
• Unsubscribe from marketing emails using the link in any such email.
• Complain — if you are not satisfied with how we handled a request, you may raise it with the Data Protection Board of India.

We respond to requests in line with applicable Indian data-protection law, including the Digital Personal Data Protection Act, 2023.

Where your data is held

Gharmint is built for India and your information is stored on servers in India. Some of our providers may process limited technical data outside India as part of running their global services.

Children

Gharmint is intended for adults. The app is not directed at children, and we do not knowingly collect information from anyone under 18. If you believe a child has given us information, contact us and we will delete it.

Changes to this policy

We may update this policy from time to time. When we do, we'll revise the “Last updated” date above, and for significant changes we'll provide a more prominent notice in the app or by email.

Note: This policy is written in good faith to describe what the Gharmint app and website actually do. It is not legal advice. Have it reviewed by counsel against your final data-processing agreements, retention obligations, and grievance-officer requirements under the DPDP Act before relying on it.