PendingPay Privacy Policy

Last updated: June 29, 2026

1. Introduction

PendingPay ("we", "our", "us") is a mobile billing and credit management application that connects shopkeepers with their customers. This Privacy Policy explains how your information is collected, used, stored, and protected when you use the PendingPay application.

2. Data We Collect

Shopkeeper Data

• Name / Shop Name
• Mobile Number
• Email Address (optional)
• Password (securely hashed)
• Shop Address
• Shop Category
• Authentication Token

Customer Data

• Name
• Mobile Number
• Email Address (optional)
• Password (securely hashed)
• Authentication Token

Bill and Payment Data

• Bill Amounts
• Payment Amounts
• Payment Mode (Cash, UPI, Card)
• Notes
• Bill Status
• Payment timestamps

3. Why We Collect Data

Data	Purpose
Name, Mobile, Email	Account creation and authentication
Bills and Payments	Managing credit transactions
Authentication Tokens	Secure session management

4. Data Storage and Security

• Authentication tokens are stored securely using device encrypted storage.
• Passwords are hashed using bcryptjs.
• API communication uses HTTPS/TLS encryption.
• Data is stored using MongoDB Atlas cloud infrastructure.

5. Third Party Services

• MongoDB Atlas - Database hosting
• Vercel - Application hosting
• Socket.io - Real-time communication

PendingPay does not use advertising networks, analytics SDKs, or tracking services.

6. Cookies

PendingPay does not use traditional cookies or tracking cookies.

7. User Rights

• Request access to your stored data
• Request correction of information
• Request account deletion
• Request data export

8. Account Deletion

Users may delete their account from the app settings or contact support for permanent deletion of account data.

9. Children's Privacy

PendingPay is intended for adults aged 18 years and above. We do not knowingly collect information from children.

10. Security Measures

• HTTPS/TLS encryption
• JWT authentication
• Rate limiting
• Input validation
• Secure password hashing

11. Policy Updates

We may update this Privacy Policy when required due to changes in technology, services, or legal requirements.

12. Contact Us

For privacy questions contact:
passioncoder1930@gmail.com