U TOLD U by Karna Platforms – Privacy Policy

1. Our Promise and Why Karna Platforms Exists

U TOLD U by Karna Platforms is built on a simple belief: your financial life should feel protected, not exposed.

In Indian mythology, Karna was born with a natural shield — an armour that protected him from harm. In real life, financial protection is something we build through awareness, discipline, and planning.

U Told U exists to help users create that protection through clarity on income, expenses, liabilities, obligations, and financial planning.

2. Information We Collect

U Told U may collect information such as:

• income and sources of funds
• expenses and spending records
• liabilities, loans, dues, and obligations
• planned payments and financial commitments
• user profile and authentication information
• family/member access information within shared accounts

The app is designed to transform user-provided financial information into meaningful insights and planning support.

3. How Your Data Is Used

Your information is used only for the intended app functionality, including:

• calculating financial summaries and balances
• tracking liabilities and upcoming obligations
• showing dashboard insights and planning information
• supporting family/member-based financial visibility
• improving app reliability, usability, and security

U Told U is not built to profit from personal financial data.

• We do not sell personal data.
• We do not share personal data for advertising.
• We do not use personal data for targeted promotions.

4. Shared Family Access

U Told U may allow multiple approved members within a family/account structure to access selected financial information depending on assigned roles and permissions.

By inviting or approving members into a shared family/account structure, you acknowledge that relevant financial records, summaries, obligations, and planning information may become visible to authorized members within that structure.

Users are responsible for carefully managing invitations and access permissions.

5. Authentication and Account Security

U Told U may use authentication methods such as:

• email/password authentication
• Firebase Authentication
• passkeys or device-based authentication
• session-based security validation

Users are responsible for protecting their credentials, devices, and account access.

6. Data Storage and Protection

Data is stored using infrastructure and backend systems managed by the app’s platform and cloud providers.

U Told U follows a responsibility-first approach toward security:

• only required information is collected
• access to sensitive information is restricted
• financial information is treated as sensitive data
• reasonable security measures are followed

While strong efforts are made to protect data, no system can guarantee absolute or impossible-to-break security.

7. Analytics, Insights, and Future Features

U Told U may provide summaries, analytics, recommendations, or future AI-assisted insights to support financial awareness and planning.

These outputs are intended only for informational and planning purposes and should not be considered professional financial, legal, tax, or investment advice.

8. User Responsibility

The quality of app insights depends heavily on the quality and completeness of the information provided by users.

By using U Told U, users understand that:

• outputs depend on user-provided information
• the app supports planning, but decisions remain the user's responsibility
• financial discipline and review are important for meaningful outcomes

9. Data Retention and Account Deletion

Users may request account deactivation or deletion subject to operational, legal, and security considerations.

Some records may be retained temporarily where required for audit, fraud prevention, dispute resolution, or system integrity purposes.

10. Policy Updates and Versioning

Privacy and trust are important to Karna Platforms.

This Privacy Policy may be updated over time as the application evolves. Updated versions may include revised features, security practices, infrastructure changes, or regulatory improvements.

Versioning will be maintained so users can understand what has changed.