Privacy Policy
Last updated: 4 October 2026
MunimJi ("we", "us"), operated by Momentum Apps (momentumapps.in), India, helps Indian small businesses do accounts over WhatsApp. This policy explains what we collect, why, and your rights. Contact: support@momentumapps.in.
1. Data we collect
- Business profile: name, address, GSTIN/PAN, state, email, phone number.
- Chat messages with the bot, including customers, products, invoices, expenses and reports you create.
- Billing metadata: plan, subscription status, Razorpay payment IDs. We never see or store card numbers, UPI PINs or bank credentials.
- Basic logs: delivery/read statuses and error logs for reliability.
- Website trial setup: business type, selected task, current bookkeeping method, business name, WhatsApp number, AutoPay consent time, subscription status and signup milestones. A secure browser cookie lets you resume setup and manage the trial. Campaign parameters, Meta browser/click identifiers, IP address and browser user agent help us measure which ads lead to trials and subscriptions. Trial-start conversions are sent to Meta with a SHA-256 hash of the WhatsApp number for matching; the raw number is not sent in conversion events.
2. Who processes it (sub-processors)
| Who | What for |
|---|---|
| Meta (WhatsApp Cloud API and Conversions API) | Delivering chat messages and measuring ad conversions (subject to Meta's policies) |
| AI provider (via OpenRouter) | Understanding messages and generating replies |
| Razorpay | Payments, mandates and refunds |
| Upstash | Scheduled reminders (trial nudges) |
| Hosting & database provider | Running the service and storing data securely |
3. Why we use it
To run the service (generate invoices, reports, reminders), bill subscriptions, prevent abuse, and improve the product using aggregated, de-identified usage patterns. We never sell your data and show no ads.
4. Retention
Account and billing data is kept while your account is active and up to 7 years after for tax records. Chat history may be trimmed over time. On deletion request we remove personal data within 30 days except what tax law requires us to keep.
5. Your rights
Email support@momentumapps.in from your registered number to access, correct, export, or delete your data. Under India's DPDP Act 2023 you may also withdraw consent (the service needs core data to function, so this ends the account) and nominate another person in case of incapacity.
6. Security & children
Encrypted transport, authenticated webhooks, and scoped database access. No system is perfect — report issues to the email above. MunimJi is a business tool for users 18+.
7. Cookies & grievance
This website sets no tracking cookies. For grievances under the IT Rules 2021, contact our Grievance Officer at support@momentumapps.in — we acknowledge within 24 hours and resolve within 15 days.
8. Changes
Material changes will be announced in-chat and here, with the date above updated.