Privacy policy

AmarTaka holds some of the most personal information there is: your money. This page explains what we collect, why, and what we will never do with it.

What we collect

• Your name, email address and a securely hashed password.
• What you enter: accounts, balances, transactions, budgets, salary, loans, planned amounts and any statement PDFs you upload.
• For Pro payments: the bKash number you paid from and the transaction ID.
• Basic technical logs (such as the time and type of a request) to keep the service secure and working.

We never ask for, and never store, your bank, card or MFS passwords or PINs. AmarTaka does not connect to your bank.

How we use it

• To show you your own records, reports, forecasts and plans.
• To build and test the models behind the next-month outlook (see “Improving predictions” below).
• To verify payments and manage your plan.
• To contact you about your account, such as payment confirmations or important changes.

Improving predictions

To make the next-month outlook more accurate, we use monthly totals per category (for example, your food spending in October) and income totals from all users’ records to build and test our forecasting models. We don’t use transaction descriptions, account names or individual transactions for this. The models contain no names, email addresses or records that identify you, and their results are only ever shown to the person they are about.

You can turn the outlook off in the app at any time; that hides it from you, and your monthly totals still help train the models. When an account is deleted, its data is left out of all future training.

What we never do

• We don’t sell your data.
• We don’t use your financial records for advertising.
• We don’t share your records with anyone, except where the law requires it.

Who can see your data

Only you can see your records in the app. Every request is checked so that one user can never read another’s data. A small number of administrators can access the database to run the service and verify payments, and do so only when needed.

Security and storage

Data travels over encrypted HTTPS connections. Uploaded statement PDFs are kept in private storage that is never publicly reachable. We keep backups to protect against loss.

Your choices

You can export your statements at any time. To have your account and all its data deleted, write to support@amartaka.tech from your account’s email address.