Cashbook · AI BI Street

Privacy policy

Last updated 17 July 2026 · Effective 17 July 2026

1. Who we are

Cashbook is a mobile and web application for tracking income, expenses, analytics and due payments. It is built and operated by AI BI Street Pvt Ltd ("AI BI Street", "we", "us"), and hosted at aibistreet.com. In this policy, "you" means the person who creates and uses a Cashbook account.

For the data you enter about your business, we act as the data processor and you remain the owner. For your own account and usage data, we act as the data controller.

2. Your consent

When you create an account and tick the consent box, you are telling us three specific things:

• You have read this policy and understand what we collect and why.
• You agree that we may store your personal details and your business's financial records on our servers, and process them to run the features described here.
• Where you enter details about other people — customers, suppliers, staff — you confirm you are entitled to share those details with us for this purpose.

3. Data we collect

Information you give us

• Account details: your name, mobile number, email address, password (stored only as a salted hash — we never see it), and your profile photo if you add one.
• Business details: business name, type, address, GSTIN if you enter one, financial year setting and preferred currency.
• Ledger entries: every income and expense record — amount, date, category, payment mode, notes and any bill or receipt image you attach.
• Parties and dues: the names, phone numbers and, if you add them, email addresses and addresses of customers, suppliers and staff, along with the amounts owed, due dates and the reminders sent to them.
• Support messages: what you write to us and any screenshots you send.

Information we collect automatically

• Device and technical data: device model, operating system version, app version, language, time zone, IP address and crash reports.
• Usage data: which screens you open, which features you use and when, so we can tell what is working and what is broken. This is behavioural, not the content of your entries.
• Log data: sign-in times, sign-in device and security events such as failed password attempts.

Information from others

• If you sign in with Google, we receive your name, email address and profile photo from Google — nothing else, and never your Google password.
• If you subscribe to a paid plan, our payment gateway confirms the payment to us and gives us the last four digits and card network. Your full card number, CVV and UPI PIN never reach our servers.

What we never collect

• Your bank account credentials, internet-banking passwords, card PINs or OTPs. Cashbook never asks for these — if anyone asks in our name, it is fraud.
• Your precise GPS location.
• Your call logs, SMS inbox, photo gallery beyond the images you deliberately attach, or files unrelated to the app.

4. Why we use it

What we do	Data used	Basis
Run your ledger, balances and reports	Ledger entries, business details	Performing our contract with you
Track dues and send reminders to parties	Party details, due entries	Your consent and our contract
Sync your data across your devices and back it up	All app data	Performing our contract
Show analytics — trends, categories, cash flow	Ledger entries	Performing our contract
Sign you in and keep your account secure	Account, device, log data	Legitimate interest in security
Fix crashes and improve the app	Usage, technical, crash data	Legitimate interest
Answer your support requests	Support messages, account data	Performing our contract
Take payment for paid plans	Account data, payment confirmation	Performing our contract
Send product news and offers	Name, email, mobile	Your consent — opt out any time
Meet tax, accounting and legal obligations	Billing and account records	Legal obligation

5. Where it is stored

Your data is stored on cloud servers located in India, operated for us by established infrastructure providers under contract. Backups are encrypted and kept in the same region.

A copy of your recent data is also cached on your own device so the app works without a network. Deleting the app removes that local copy but not the server copy — to remove that, delete your account (section 9).

Some of our service providers may process limited technical data outside India. Where that happens we require contractual safeguards giving your data the same level of protection it has here.

6. Who we share it with

We share only what is necessary, only with these categories, and only under contract:

• Cloud hosting and storage providers — to store and serve the data.
• SMS, WhatsApp and email providers — to deliver a due reminder you asked us to send. They receive the party's number or email and the message text, and nothing more.
• Payment gateways — to process a subscription payment.
• Analytics and crash-reporting tools — to receive usage and crash data, never your ledger content.
• Professional advisors — auditors and lawyers, bound by confidentiality.
• Authorities — where a valid, lawful order requires it. We check that every request is properly made, disclose the minimum required, and tell you unless we are legally barred from doing so.
• A buyer or successor — if AI BI Street is acquired or merged, your data may transfer. We will notify you first, and this policy continues to apply until you are given notice of a replacement.

You also share data yourself when you use the app: sending a reminder discloses your business name and the amount to that party, and exporting a report puts a copy outside our control.

7. How long we keep it

• While your account is open: we keep your data so your ledger stays complete.
• After you delete your account: data is removed from our live systems within 30 days, and purged from encrypted backups within 90 days.
• Billing and tax records: retained for 8 years, as Indian tax law requires.
• Inactive accounts: if you do not sign in for 24 months, we email you twice and then delete the account.
• Anonymised statistics that cannot identify you or your business may be kept indefinitely.

8. How we protect it

• Everything in transit is encrypted with TLS 1.2 or above; everything at rest, including backups, is encrypted with AES-256.
• Passwords are stored only as salted hashes and cannot be reversed, by us or anyone else.
• Access to production data is restricted to a small number of staff who need it, protected by multi-factor authentication and logged.
• We run regular backups, patch our systems, and review access rights.

No system is perfectly secure. If a breach affects your data, we will notify you and CERT-In as required by law, and tell you what happened, what it affects and what to do about it.

9. Your rights

Over your data, you can:

• See it — ask for a copy of what we hold about you.
• Correct it — fix anything wrong, mostly from Settings, or ask us.
• Export it — download your full ledger as CSV or PDF, any time, from Settings → Export.
• Delete it — Settings → Account → Delete account removes your account and data on the timeline in section 7. Deletion is permanent and we cannot restore it, so export first.
• Withdraw consent — for reminders, notifications, marketing, or entirely.
• Object or restrict — ask us to stop or pause a particular use.
• Complain — to us first, and then to the Data Protection Board of India if we do not resolve it.

Write to privacy@aibistreet.com. We verify who you are, then reply within 30 days. These requests are free.

10. Children

Cashbook is a business tool for people aged 18 and above. We do not knowingly collect data from children. If we learn that a child has created an account, we will delete it.

11. Changes to this policy

If we change something significant, we will show a notice in the app and email you at least 14 days before it takes effect. The date at the top always shows the current version. Continuing to use Cashbook after a change means you accept the updated policy; if you do not, you can export your data and close your account.

12. Contact us

AI BI Street Pvt Ltd
Privacy queries: privacy@aibistreet.com
Support: support@aibistreet.com
Web: aibistreet.com

This policy is governed by Indian law, including the Digital Personal Data Protection Act, 2023 and the Information Technology Act, 2000.

Cashbook · AI BI Street

Terms & conditions

Last updated 17 July 2026 · Effective 17 July 2026

1. Agreement

These terms are a contract between you and AI BI Street Pvt Ltd for your use of the Cashbook app and website. By creating an account or using Cashbook, you accept them. If you do not accept them, do not use the app. Our privacy policy forms part of this agreement.

2. Who can use Cashbook

• You must be 18 or older and able to enter a contract under Indian law.
• If you use Cashbook for a company or firm, you confirm you are authorised to accept these terms on its behalf.
• You must not use Cashbook if we have previously closed your account for breach.

3. Your account

• Give accurate details and keep them up to date.
• Keep your password and OTP to yourself. Everything done through your account is treated as done by you.
• Tell us at support@aibistreet.com as soon as you suspect someone else has access.
• One account per person. Do not sell, share or transfer it.

4. What Cashbook does

Cashbook lets you record income and expenses, categorise them, attach bills, view analytics, and track and chase due payments. It is a record-keeping and reporting tool. It does not move money, hold money, lend, or act as a bank, payment system or financial institution.

5. Not financial, tax or legal advice

6. Your data and content

• Your data stays yours. We claim no ownership of your ledger, parties, files or reports.
• You grant us a limited licence to store, process, back up, transmit and display your data purely to operate Cashbook for you. It ends when you delete the data or your account.
• You are responsible for the accuracy and legality of what you enter, and for having the right to enter other people's details.
• We back up your data, but you should keep your own exports too. Settings → Export gives you CSV and PDF any time.

7. Dues and reminders

• Reminders go out only when you ask for them. The content, the amount, the party and the timing are yours to decide.
• You must have a lawful reason to contact that party, and you must follow applicable telecom and anti-spam rules — including TRAI's DND regulations.
• We deliver messages through third-party networks. We cannot guarantee delivery, timing or that a reminder produces payment.
• Cashbook is not a collection agency. Recovering money owed to you is between you and your party. We take no part in it and are not liable for any due that goes unpaid.

8. Acceptable use

Do not:

• Use Cashbook for anything unlawful — money laundering, tax evasion, fraud, or recording an illegal business.
• Enter another person's details without a lawful basis, or use reminders to harass, threaten or spam.
• Reverse-engineer, decompile, scrape, or copy any part of the app; probe or attack our systems; or try to access another user's account or data.
• Upload malware, or files you have no right to upload.
• Resell, rent or white-label Cashbook, or use it to build a competing product.
• Overload the service with automated requests or use it in a way that degrades it for others.

We may suspend or close an account that breaches this section, with notice where we reasonably can and immediately where we cannot.

9. Plans and payment

• Cashbook has a free plan and paid plans. What each includes is shown in the app before you buy.
• Paid plans are billed in advance, monthly or yearly, and renew automatically until you cancel. Cancel any time from Settings → Subscription; you keep access until the end of the paid period.
• Fees are in Indian Rupees and exclusive of GST unless stated. Taxes are added at the applicable rate.
• Refunds: payments are non-refundable except where Indian law requires otherwise, or where a genuine billing error occurred — write to us within 7 days and we will fix it.
• We may change prices with at least 30 days' notice by email and in-app. New prices apply from your next renewal, and you can cancel before then.
• If payment fails, we may downgrade you to the free plan. Your data is not deleted, but paid features stop.

10. Our intellectual property

Cashbook — the software, design, name, logo and content — belongs to AI BI Street and is protected by law. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the app for your own business while this agreement lasts. Nothing else is granted.

11. Availability

We work hard to keep Cashbook up, but we do not promise uninterrupted service. We may take it down for maintenance, and we will give notice for anything planned. We may also add, change or remove features. If we discontinue a paid feature you rely on, you may cancel and we will refund the unused part of your term.

The app is provided "as is" and "as available", without warranties beyond those the law makes non-excludable.

12. Limitation of liability

To the fullest extent the law allows:

• We are not liable for indirect, incidental, special or consequential loss — including lost profit, lost business, lost goodwill, or loss of data beyond what we caused.
• We are not liable for decisions you make based on Cashbook's reports, for dues you fail to collect, for a party's non-payment, for errors in data you entered, or for penalties from a tax authority.
• Our total liability for any claim is capped at the fees you paid us in the 12 months before the claim, or ₹5,000 — whichever is higher.

Nothing here limits liability for fraud, wilful misconduct, or anything that cannot lawfully be limited.

13. Indemnity

You agree to cover us against claims, losses and reasonable legal costs arising from your breach of these terms, your misuse of Cashbook, your unlawful use of another person's data, or your violation of someone else's rights.

14. Ending the agreement

• You may stop any time — cancel your plan and delete your account from Settings.
• We may suspend or close your account for a material breach, for unlawful use, or if we are legally required to. Except where the breach is serious or urgent, we will give you notice and a chance to fix it.
• On closure, export your data first. After deletion it is gone, on the timeline in the privacy policy.
• Sections 6, 10, 12, 13, 16 and 17 survive the end of this agreement.

15. Changes to these terms

We may update these terms. For significant changes we will notify you in-app and by email at least 14 days before they take effect. Continuing to use Cashbook after that means you accept them. If you do not, close your account before the effective date.

16. Governing law and disputes

Indian law governs this agreement. Talk to us first at support@aibistreet.com — most things are settled in a week. If a dispute remains, it is subject to the exclusive jurisdiction of the courts at Mumbai, Maharashtra.

17. General

• If a clause is held invalid, the rest stays in force.
• Not enforcing a right immediately does not waive it.
• You may not assign this agreement; we may assign it as part of a merger or acquisition.
• These terms and the privacy policy are the whole agreement between us about Cashbook.
• We are not liable for failures caused by events beyond our reasonable control.

18. Contact

AI BI Street Pvt Ltd
Support: support@aibistreet.com
Legal: legal@aibistreet.com
Web: aibistreet.com