Privacy Policy — Settle by Markmydigi

This Privacy Policy explains what information Markmydigi Technologies ("Markmydigi", "we", "us") collects when you use Settle ("Settle", the "Service") at settle.markmydigi.com, how we use it, and the choices you have. It's part of our Terms of Service.

1. Information we collect

Account & business information — when you register, we collect your name, email address, and password (stored as an irreversible cryptographic hash, never in plain text), plus your business details: legal/trading name, GSTIN and PAN if applicable, registered address, GST state, invoice numbering prefix, and — if you add them — your bank account details, UPI ID, and logo/signature images, used solely to appear on the invoices you generate.

Your business records — every invoice, estimate, party (customer/vendor), item, payment, expense, and credit/debit note you create in your workspace. This includes information about your own clients (their name, GSTIN, address, contact details) that you enter. You control this data; we store and process it on your behalf to run the Service.

Google account information — if you choose "Sign in with Google," we receive your verified name and email address from Google. We never see or store your Google password.

Payment information — if you subscribe to a paid plan or use Razorpay payment links for your own invoices, payment processing is handled entirely by Razorpay. We never see or store your card, UPI, or netbanking credentials — only a payment/subscription reference id and status that Razorpay sends us.

Technical & usage information — your IP address (used for basic security measures like rate-limiting login and signup attempts), browser/session cookies needed to keep you signed in, and standard web server logs. We do not use third-party analytics or advertising trackers.

2. How we use your information

To provide the Service — generate invoices/PDFs, compute GST splits, track payments and balances, and everything else Settle does;
To operate your account — authentication, plan/billing status, and enforcing the limits of your chosen plan;
To communicate with you — password resets, important account or billing notices, and (only if you've opted in) product updates;
To keep the Service secure — detecting and preventing abuse, fraud, or unauthorized access;
To comply with legal obligations where required.

We do not sell your data, and we do not use your business records or your clients' information for advertising, profiling, or any purpose beyond running Settle for you.

3. Cookies

Settle uses only the cookies necessary to keep you signed in (a session cookie) and to protect forms against forgery (a CSRF token). These are not third-party tracking or advertising cookies, and they're cleared when you sign out.

4. Who we share information with

We don't sell or rent your information to anyone. We share it only with:

Razorpay — to process subscription payments and, if you choose to use them, payment links for your own invoices;
Google — only if you use "Sign in with Google," to verify your identity;
Our hosting provider — to store your data and run the Service (see Data storage below);
Law enforcement or regulators, only if legally required to do so.

Every workspace on Settle is fully isolated — your data is never visible to, or shared with, any other business using Settle.

5. Data storage & security

Your data is stored on servers provided by our hosting provider. All traffic to Settle is encrypted in transit (HTTPS). Passwords are hashed, never stored in plain text, and access to your workspace's data requires an authenticated session tied to your account. No method of storage or transmission is 100% secure, but we take reasonable, industry-standard measures to protect your information.

6. How long we keep your data

We retain your account and business records for as long as your account is active, so the Service keeps working correctly (for example, so your invoice numbering and party ledger stay accurate and gap-free). If you close your account, we'll delete or anonymize your personal data within a reasonable period, except where we're required to retain certain records for legal, tax, or accounting purposes.

7. Your rights

You can access, correct, or export most of your data directly from within Settle at any time. You can also write to us at info@markmydigi.com to:

Request a copy of the personal data we hold about you;
Ask us to correct inaccurate information;
Request deletion of your account and associated data, subject to the retention exceptions above;
Ask any other question about how your data is handled.

We'll respond to any such request within a reasonable time.

8. Children's privacy

Settle is a business tool and isn't directed at, or intended for use by, anyone under 18. We don't knowingly collect information from children.

9. Changes to this policy

We may update this Privacy Policy from time to time. For material changes, we'll make a reasonable effort to notify you before they take effect. The "Last updated" date at the top of this page always reflects the current version.

10. Contact & grievance officer

For any privacy question, data request, or grievance regarding Settle, contact:

Markmydigi Technologies
506, West Avenue, Aundh, Pune - 411067, Maharashtra, India
Email: info@markmydigi.com