1. Introduction
Welcome to Finance Pulse ("the App"). The App is developed and operated by BALADEBJEW MULTI PURPOSE MULTI STATE COOPERATIVE SOCIETY LIMITED (operating as BISICSL, referred to as "we", "us", "our", or "Developer").
This Privacy Policy describes how Finance Pulse collects, protects, uses, and handles information when you access or use our Point-of-Sale (POS), inventory management, and business accounting application. Finance Pulse is an enterprise software solution designed for businesses, retail stores, and commercial operators to manage billing, products, accounts ledgers, payment vouchers, and financial analytics.
2. Data We Collect
To enable cloud synchronization, point-of-sale checkout, and multi-user store management, the App collects the following categories of information:
- Account & Business Information: Business/Store Name, Owner/Operator Name, Business Email Address, Phone Number, Business Address, and optional Tax Identification Numbers (such as GSTIN).
- Authentication Credentials: Email addresses and encrypted passwords used for operator and administrator login (authenticated securely via Firebase Authentication).
- Commercial & Transactional Records: Product catalog items, SKU codes, item prices, stock quantities, sales receipts, customer/vendor party ledger details (e.g., customer name and contact phone number for invoice generation), expense records, and payment voucher entries.
- Device & Diagnostics Data: Non-personally identifiable technical telemetry including OS version, device model, crash logs, and network performance indicators solely used to maintain system stability and performance.
- Local Files & Storage Permissions: Storage access is requested strictly when the user explicitly triggers report exports (such as generating PDF invoices or Excel accounting summaries) or uploads product catalog files.
Strict Data Minimization: Finance Pulse does not access background GPS location, private personal galleries, contacts lists, or microphone audio. All business records processed are entered directly by the merchant or their authorized staff.
3. How We Use Data
We process collected business and transaction information exclusively for legitimate commercial operations, including:
- Authenticating authorized store staff, managers, and business administrators.
- Processing POS checkout, printing receipts, and calculating real-time inventory adjustments.
- Maintaining double-entry accounting ledgers, party credit/debit balances, and cash/bank voucher logs.
- Synchronizing store data in real time across multiple authorized store terminals and cloud dashboards.
- Generating on-demand business reports, tax summaries, sales analytics, and accounting exports (PDF and Excel formats).
- Detecting and mitigating fraud, security threats, unauthorized terminal logins, and software crashes.
4. POS, Billing & Ledgers
Finance Pulse provides comprehensive tools for managing commercial transactions:
- Payment Record-Keeping: The App allows merchants to record payment methods selected during checkout (such as Cash, UPI reference, Bank Transfer, or Card payment).
- No Sensitive Financial Vaulting: Finance Pulse does not collect, process, or store sensitive credit card CVVs, debit card PINs, or bank account credentials. Recorded payment details are restricted to bookkeeping references and transaction status amounts.
- Customer & Vendor Ledgers: Information entered regarding customers or vendors (e.g. party name, phone, outstanding ledger balances) is maintained strictly within the merchant's dedicated business tenant.
5. Data Security & Storage
We apply robust administrative, architectural, and cryptographic standards to safeguard your commercial data:
- Encryption in Transit: All data exchanged between the Finance Pulse mobile application and cloud services is transmitted over secure SSL/TLS (HTTPS) channels.
- Cloud Infrastructure: Store databases are hosted on enterprise-grade Google Cloud Platform and Cloud Firestore infrastructure, protected by strict database security rules and multi-tenant isolation.
- Access Control: Access to business ledgers and store administration is strictly restricted to authenticated operator roles defined by the merchant.
7. Retention & Deletion
We retain business data for as long as your store account is active. You may request account deletion at any time.
To initiate a deletion request, contact us via email, or submit an online request directly using our Account & Data Deletion Request Form.
Upon receiving a validated request, we will permanently remove your login credentials, operator profiles, and cloud-synced store settings within 30 days. Note that statutory commercial invoices, tax audit records, and historical ledger vouchers may be required to be retained by the merchant according to national commercial accounting and tax regulations.
8. Children's Privacy
Finance Pulse is an enterprise Point-of-Sale and commercial management tool designed strictly for businesses and adults. It is not directed at or intended for children under 18 years of age. We do not knowingly collect personal information from minors.
9. Contact Information
If you have any questions about this Privacy Policy, your account data, or wish to submit a data deletion request, please reach out to us at:
BALADEBJEW MULTI PURPOSE MULTI STATE COOPERATIVE SOCIETY LIMITED (BISICSL)
Address: Panchanantala, Chaltia, Murshidabad - 742102, India (IN)
Email: info.bmpmscs@gmail.com