Privacy Policy

1. Introduction

Time Bachalo Technologies Private Limited (“Time Bachalo”, “we”, “our”, or “us”) operates the Time Bachalo platform, a SaaS solution for lending operations. This Privacy Policy explains how we collect, use, store, and protect your personal data when you use our website and services.

By using our services, you agree to the collection and use of information in accordance with this policy. This policy is governed by the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 of India.

2. Information We Collect

We collect the following types of information:

• Account information: Full name, work email address, company name, business type, and team size provided during registration and onboarding.
• Payment information: Billing cycle and plan selection. Payment transactions are processed by Razorpay; we store only the Razorpay order ID, payment ID, and transaction status — never your card details.
• Usage data: Login timestamps, last active date, IP address, browser type, and pages visited.
• Communications: Messages submitted via our contact form or demo booking form.
• Cookies: Session cookies (httpOnly, SameSite) used for authentication. We do not use third-party advertising cookies.

3. How We Use Your Information

• To create and manage your account and workspace.
• To process payments and manage your subscription.
• To send transactional emails (email verification, password reset, billing receipts).
• To respond to support requests and demo inquiries.
• To improve and secure our platform.
• To comply with applicable laws and regulations.

We do not sell, rent, or share your personal data with third parties for marketing purposes.

4. Third-Party Services

We use the following third-party services that may process your data:

• Razorpay: Payment processing. Subject to Razorpay’s Privacy Policy.
• Gmail / Google Workspace: Transactional email delivery.
• PostgreSQL hosting provider: Secure database hosting within India or AWS Mumbai region.

5. Data Retention

We retain your account data for as long as your account is active. If you request deletion, we will remove your personal data within 30 days, except where retention is required by law (e.g., financial records for 7 years under applicable Indian tax laws).

6. Data Security

We implement industry-standard security practices including password hashing (bcrypt), HTTPS encryption, httpOnly session cookies, rate limiting on authentication endpoints, and server-side input validation. However, no method of transmission over the internet is 100% secure.

7. Your Rights

You have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate data.
• Request deletion of your account and associated data.
• Withdraw consent for marketing communications at any time.

To exercise any of these rights, email us at support@timebachalo.com.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or a prominent notice on our website. Continued use of our services after changes constitutes acceptance of the updated policy.

9. Contact Us

For any privacy-related questions or concerns, please contact our data protection point of contact at: