At PonT (Pay on Time), we value your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our mobile application.

1. Information We Collect

A. Personal Information You Provide

• Name
• Email address
• Mobile number
• Optional: Card nickname, due date info (manually entered by the user)

Note: We do not collect, store, or request credit card numbers, bank login credentials, or any sensitive financial information.

B. Non-Personal Information (Automatically Collected)

• Device information (e.g., model, OS version)
• App usage statistics (e.g., crash logs, session duration)
• Notification settings (for reminders)

2. How We Use Your Information

Your data is used to:

• Send you timely due date reminders
• Improve app functionality and user experience
• Provide customer support
• Send important service-related updates (if needed)

We do not sell, trade, or rent your personal data to third parties.

3. Data Storage and Security

• Your reminder data is securely stored on your device and/or in encrypted cloud databases.
• All personal data is protected using industry-standard security measures.
• Access to user data is restricted to authorized personnel only.

While we take all reasonable precautions, no system can be 100% secure. Use the app at your own discretion.

4. Third-Party Services

PonT does not currently integrate with third-party services (e.g., banks, payment gateways, advertising platforms). If any are added in the future, this policy will be updated accordingly.

5. User Control & Rights

You have the right to:

• Access and edit your data within the app
• Delete your account and all associated data
• Opt-out of optional notifications (through device settings)

To request data deletion or account removal, email us at deepak@bytoons.com.

6. Children’s Privacy

PonT is not intended for users under the age of 18. We do not knowingly collect data from minors.

7. Changes to This Policy

We may update this Privacy Policy periodically. You will be notified through the app or email (if provided) of any significant changes.

8. Contact Us

For questions, concerns, or complaints related to privacy, contact: