Legal
Privacy Policy
Effective Date: March 25, 2026 · Last Updated: 24 September 2026
Important: Inly does not collect OTPs or personal messages
Inly looks only for eligible financial and transactional alerts. Inly does not collect, store, or use OTPs, PINs, verification codes, personal conversational SMS, WhatsApp/chat content, or messages unrelated to financial activity.
Standalone privacy notices
For each collection event, Inly publishes a short notice listing the specific personal data collected, purpose, whether required or optional, and how to withdraw consent. See all privacy notices (sign-up/OTP, SMS, contacts, push notifications, payments, chat/insights, Inly Score).
1. Introduction
Welcome to Inly. Inly is a financial expense tracking and transaction intelligence application designed to help users automatically organize, analyze, and understand their financial activity through intelligent processing of transactional data, including SMS-based financial alerts and notifications. A core privacy principle is that SMS access is limited to financial relevance — Inly does not collect OTPs or personal messages.
2. Information We Collect
We may collect information you provide (such as mobile number, profile details, and contacts), SMS data related to financial alerts with your permission, and device/technical information needed for diagnostics and security. Inly does not collect OTPs or personal conversational SMS.
3. How SMS Data Is Processed
Selected SMS content relevant to financial tracking may be securely transmitted to Inly servers for processing such as transaction extraction, merchant identification, expense categorization, subscription detection, and financial insight generation. OTPs and personal messages are outside this processing scope.
4. Derived Insights & Automated Analysis
Insights shown in the app may be generated algorithmically from processed SMS content and transaction metadata, including Inly Score (an in-app financial wellness metric on a 15–98 scale). Inly Score is not a CIBIL score and is not any other formal credit-bureau score or credit report. It is indicative only and is not an official score for lending unless Inly expressly states otherwise. Inly does not provide financial, investment, tax, lending, insurance, or legal advice.
5. Purpose of Data Collection
We collect and process information for expense tracking, financial insights, budgeting features, authentication, fraud prevention, customer support, analytics, product improvement, derived profiles and behavioural insights, authorised partner integrations, and legal compliance.
6. Data Security, Transmission & Storage
Inly implements commercially reasonable safeguards including encrypted data transmission, secure APIs, access controls, and monitoring. Absolute security cannot be guaranteed.
7. Third-Party Services & Infrastructure
Inly works with trusted third parties for hosting, analytics, monitoring, support, payments, and authorised partner integrations. Certain information — including derived profiles, inferred personas, and behavioural patterns — may be transferred through secure, layered APIs under contractual and security controls. We do not indiscriminately publish raw SMS inboxes. Data may leave Inly systems in a controlled, purpose-limited manner.
8–14. Retention, Controls, Deletion, Children, Compliance & Contact
We retain data only as needed to operate the service, provide user controls over permissions, honor deletion requests, and comply with applicable policies. SMS permissions are not used to collect OTPs or personal messages. Contact apps@appkhichadi.com for privacy concerns.