In short
- Jhamgat never moves your money. You pay friends in your own bank or wallet app. We only record what you tell us.
- No ads, no selling data, no third-party analytics.
- Your group sees your group's things. Payment proofs are only visible to the two people involved.
- You can download or delete your data at any time, in the app or on the web.
What we collect
Your account
Your mobile number (used to sign in with a one-time code), the name you choose and, if you add one, a profile photo.
What you add to groups
- Groups, members, invites and outings (title, date, place, budget, notes, who's going).
- Bills: title, amount, who paid, who shares it, merchant, notes and, if you add one, a receipt photo.
- Payments you report or confirm: amount, method, reference, time and, if you add one, a proof screenshot.
- How friends can pay you (optional): wallet or bank name, account ID and your payment QR image.
- Chat messages, photos and reactions in your groups.
My Money (only if you turn it on)
If you turn on My Money, we store the accounts you add (a name like "Nabil Bank", its type and the balance you enter), the money records you add (amount, account, category, time, and an optional payee and note), private loans you record (a label you choose and the amounts), your balance checks, and which of your group bills or payments you connected to your own accounts. You type all of this in yourself: we never ask for bank or wallet logins and never connect to your bank.
Your contacts (only if you allow it)
When you start a new chat or group, and only if you allow contact access, the app reads the phone numbers in your address book and sends them to our server to check which ones belong to Jhamgat accounts, so you can chat with them or invite them. The numbers are compared and then discarded: we don't store your address book, contact names, or numbers that aren't on Jhamgat. You can turn contact access off in your phone's settings at any time.
Voice calls and your microphone
When you call someone or answer a call, the app uses your microphone (only if you allow it). The call's audio goes directly between the two phones, or through our call relay server when a direct connection isn't possible, and is encrypted on the way. We never record or store call audio. We keep a short call log (who called whom, when, and how long) so the chat can show "Voice call · 3:12" or "Missed voice call".
Community
Posts, photos, comments and supports you share in Community, and who can see them (everyone, or one of your groups).
Support and safety
Messages you send to support, reports about posts or people, and people you block.
Technical data
Your sign-in sessions (device type and when they were last used), your notification settings, and standard server logs (such as IP address and time of a request), which we use to keep the service secure and working.
We don't access your location or bank accounts.
How we use it
- To sign you in, and to show you and your group the plans, bills, balances and messages you share.
- To send the notifications and reminders you've turned on.
- To help when you contact support, and to deal with reports of abuse.
- To keep the service secure, prevent misuse, and fix problems.
Who can see what
- Members of a group see that group's chat, plans, bills, shares and repayment status, plus your name and photo.
- Payment proofs and payment references are visible only to the person who paid and the person who received it.
- Your payment details (QR, account ID) are shown to people who owe you money, so they can pay you.
- Community posts are visible to everyone or only to the group you picked.
- My Money is visible only to you. Group members, the people in your loans and our support team never see your accounts, balances, records, loans or notes.
- Our support team can see a bill's records only when you allow it in a support request. Every view is logged.
- Service providers: sign-in codes are sent by an SMS provider, which receives your mobile number. Our servers are hosted in Nepal.
- We share data with authorities only when Nepali law requires it.
How long we keep it
We keep your data while you have an account. Backups are kept for 14 days and then deleted.
When you delete your account, we remove your name, mobile number, profile photo, payment details, everything in My Money and every sign-in straight away. Bills, repayments and messages you were part of stay in your friends' records, shown as "Deleted user", so their balances and conversations still make sense. Your data drops out of backups within 14 days.
Your choices
- Download your data: Profile → Export your data (includes My Money).
- Turn off My Money: My Money → Settings → Turn off and delete. This deletes every My Money record and leaves your groups as they are.
- Delete your account: Profile → Delete account, or delete it on the web.
- Notifications: Profile → Notifications and quiet hours.
- Privacy and blocking: Profile → Privacy and blocked people.
Security, children and changes
Sign-in sessions use random tokens that are stored hashed. Access to our admin tools is limited, and every action there is logged. No service is perfectly secure, so please keep your phone locked.
Jhamgat is not meant for children under 13, and we don't knowingly collect their data.
If we change this policy, we'll update the date at the top and tell you in the app when the change matters.
Contact
Questions or requests about your data: in the app, go to Profile → Help and support.