Privacy policy
RentKarma helps flat owners and tenants keep track of rent: reminders on WhatsApp, payments made by UPI straight to the owner, and a record of each month. This page explains what we collect, why, who can see it, and how to get it deleted.
What we collect
- Your phone number and name. Your phone number is your login. Owners give us their tenant's name and number when they invite them.
- Rental details the owner enters: property and unit name, rent, maintenance, due date, grace and notice periods, and the owner's UPI ID and payee name.
- Payment records the tenant adds: amount, date, UPI transaction reference (UTR), payment screenshots or receipt photos, and whether it was cash.
- Disputes, issues and move-out notices raised in the app or on WhatsApp, including any photos attached.
- WhatsApp messages you send to our WhatsApp number, and delivery status of the messages we send you.
- Consent records: when and how a tenant accepted an invite (for example, replying YES on WhatsApp).
We do not collect bank account numbers, card details or UPI PINs. RentKarma never receives or holds rent money.
Why we use it
- To log you in and keep your account secure.
- To send rent reminders, payment confirmations, dispute updates, issue alerts and move-out notices on WhatsApp.
- To read the amount, date and UTR from payment screenshots so you don't have to type them. We use an AI service for this step.
- To show owners and tenants the same payment record, month by month.
We don't sell your data and we don't use it for advertising.
Who can see it
- An owner sees the records of their own tenants. A tenant sees their own records for each rental.
- Tenant profiles are private. If we ever add public profiles, they will be opt-in only.
- Service providers that run RentKarma for us: Meta (WhatsApp Business Platform) to send and receive messages, Convex to store data, Cloudflare to serve the website, and Anthropic to read payment screenshots. They process data only to provide their service to us.
- Authorities, if the law requires it.
How long we keep it
We keep payment records, screenshots and UTRs for as long as your account exists, because the record is the point of the product. If you delete your account, we remove your profile and personal details. The owner's ledger keeps an anonymised row (amount and month, without your name or number) so their accounts still add up.
Your choices and rights
- You can see and correct your details in the app.
- Reply LOGOUT to our WhatsApp number to sign out of every browser.
- Tenants can stop tracking for a rental by asking their owner to end the tenancy, or by contacting us.
- Under India's Digital Personal Data Protection Act you can ask for a summary of your data, a correction, or deletion.
Delete your data
Send "Delete my RentKarma account" to us on WhatsApp from the number on your account. We confirm and complete the deletion within 30 days and tell you when it's done.
Security
Logins use one-time WhatsApp messages, sessions are stored as hashes, and data is encrypted in transit. No system is perfectly secure, and we'll tell affected users promptly if something goes wrong.
Contact
Questions or requests: message us on WhatsApp.
We'll update this page when things change and show the date at the top.