Privacy Policy

1. The Scope and Identity of the Controller

NirvorLife is owned, developed, and operated exclusively by Dial Dynamic Ltd., an incorporated technology company based in Dhaka, Bangladesh. Dial Dynamic Ltd. serves as the primary Data Controller for all personal and financial tracking records processed through the NirvorLife platform.

2. Categories of Information We Collect

We only collect information that is strictly necessary to provide you with the personal financial operating system experience:

A. Personal Account Information (Provided by You)

• Identity & Credentials: Name, valid email address, phone number, and a securely salted and hashed password upon registration.
• Profile Settings: Display preferences, primary currency (e.g., BDT, USD), time zone, and language settings.

B. Financial Tracking Data (Entered Voluntarily by You)

• Income & Expense Entries: Numerical amounts, transaction dates, user-created categories (e.g., groceries, utility bills, business revenue), and descriptive memo notes.
• Budgetary Goals & Accounts: User-defined wallet balances, bank account names (informational only), loan reminders, and savings milestone targets.

C. Device and Diagnostic Information

• Technical Identifiers: Operating system version, device model, IP address, screen resolution, and language settings to ensure seamless rendering.
• Application Performance Data: Crash logs, latency telemetry, and bug reports gathered strictly for software diagnostics and performance optimization.

3. Purpose and Legal Basis for Processing

Under Bangladesh cyber regulations and global privacy standards, we process your personal data under the following legal bases:

• Performance of Service Contract: To authenticate your login sessions, maintain your personalized financial ledger, and provide accurate calculation summaries.
• Legitimate Interests: To detect, investigate, and prevent fraudulent logins, automated bot assaults, or security vulnerabilities on our servers.
• Legal Compliance: To comply with mandatory statutory directives under Bangladesh law and prevent cybercrimes.

4. Prohibition on the Sale or Unauthorized Sharing of User Data

Dial Dynamic Ltd. DOES NOT SELL, RENT, OR TRADE YOUR PERSONAL OR FINANCIAL DATA TO ADVERTISERS, THIRD-PARTY BROKERS, CREDIT BUREAUS, OR DATA AGGREGATORS UNDER ANY CIRCUMSTANCES.

Your data is only processed by trusted, contractually bound infrastructure vendors strictly necessary to run the web and mobile service:

• Cloud Hosting & Database Infrastructure: Secure enterprise server clusters located in tier-4 data centers with strict encryption and physical access controls.
• Authentication & Security Services: Google Play Integrity API / Trusted Web Activity services for verifying genuine Android application instances.

5. Data Storage, Security and Encryption Standards

We deploy robust, state-of-the-art security mechanisms to shield your sensitive information:

• Encryption in Transit: All communications between your device, browser, and our cloud servers are protected using Transport Layer Security (TLS 1.3 / HTTPS) with high-grade 256-bit encryption.
• Encryption at Rest: Database backups and stored records are protected using standard AES-256 encryption.
• Access Governance: Dial Dynamic Ltd. applies strict Role-Based Access Control (RBAC). Only authenticated operational personnel with two-factor authentication can access infrastructure maintenance routines.

6. Data Retention and Account Deletion Rights

We retain your personal financial records only for as long as your account remains active. As mandated by Google Play Store guidelines and consumer rights standards, you have the absolute right to terminate your account and erase your information:

• In-App Deletion: You can delete your account directly inside the app by navigating to Settings > Account Security > Delete Account.
• Web Deletion Portal: You do not need to keep the app installed to erase your records. You can submit an immediate erasure request via our public web page at https://nirvorlife.com/delete-account.
• Purging Timeline: Upon confirmed request, your user profile, transactions, budgets, and credentials are permanently purged from active production databases within 30 calendar days.

7. Protection of Children's Privacy

NirvorLife is engineered exclusively for adult individuals, working professionals, and business operators. The application is not marketed to or intended for children under the age of 18 years. We do not knowingly harvest personal details from minors. If we discover that a minor under 18 has submitted personal data without verifiable parental consent, we immediately purge the account.

8. Updates and Policy Amendments

Dial Dynamic Ltd. reserves the right to modify this Privacy Policy in response to evolving Bangladesh legislative mandates or updated Google Play Developer Program policies. Any material modifications will be announced via in-app notification or prominently displayed on our website with the revised "Last Updated" timestamp.

9. Contact and Data Protection Officer

If you have any inquiries, grievance reports, or data privacy requests, please contact our designated privacy governance team: