Privacy Policy

Apps covered: Mahesan Chit (customer app) and Mahesan Chit Collection (staff app), published by ARMSS INFOTECH ("we", "us").
Last updated: 30 October 2026

1. Information we collect

Mahesan Chit (customers): full name, mobile number, email address (if provided), referral code, chit scheme selections, chit and payment history, and support requests you raise in the app.

Mahesan Chit Collection (staff): staff login details (employee ID), and, when staff register a customer or record a payment: the customer's name, mobile number, email, address, age, gender, occupation, Aadhaar and PAN numbers, photo, bank passbook copy, and collection/receipt details.

We do not collect your location, contacts, or advertising ID. Photos and documents are collected only when you choose to upload them.

2. How we use it

• To create and manage your account and verify you with a one-time password (OTP) sent by SMS.
• To manage chit schemes, record payments and issue receipts.
• To process payments through UPI / our payment partner.
• To respond to your requests and for legal, accounting and audit purposes.

3. Sharing

We do not sell your data. We share it only with service providers needed to run the app: an SMS provider (to send OTPs), a payment partner (to process UPI payments), and our hosting provider. We may disclose data if required by law.

4. Security and retention

Data is transferred over HTTPS and stored on our secured servers. We keep records for as long as your account is active and as required by financial and legal regulations.

5. Your rights and account deletion

You can ask us to view, correct or delete your data at any time. See Account deletion or contact us below. Some records may be retained where the law requires.

6. Children

The apps are not intended for children under 18.

7. Changes

We may update this policy; the latest version is always on this page.

8. Contact

ARMSS INFOTECH
Email: {{EMAIL}}
Phone: {{PHONE}}