টাকা বুঝি (Taka Bujhi)

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Terms of Service

Last Updated: December 2025

1. Introduction

Welcome to টাকা বুঝি (Taka Bujhi), a financial literacy education application developed by Talt AI ("we," "our," or "us"). By downloading, installing, or using our application, you agree to be bound by these Terms of Service.

2. Description of Service

টাকা বুঝি is a free educational mobile application designed to teach financial literacy concepts in Bengali. The app provides:

Gamified learning experiences with missions, quizzes, and rewards
Multiple learning tracks tailored for different user groups
Offline-first functionality
Progress tracking with XP and badges

3. Eligibility

The app is designed for users of all ages
Users under 13 years of age should use the app under parental supervision
The app is intended for educational purposes only

4. User Responsibilities

By using টাকা বুঝি, you agree to:

Use the app only for its intended educational purpose
Not attempt to reverse engineer, modify, or distribute the app
Not use the app for any illegal or unauthorized purpose
Understand that the app provides general financial education, not personalized financial advice

5. Intellectual Property

All content, including but not limited to text, graphics, logos, icons, images, and software, is the property of Talt AI and is protected by copyright laws. You may not reproduce, distribute, or create derivative works without our written permission.

6. Disclaimer

Educational Purpose Only

The content in টাকা বুঝি is for educational purposes only and should not be considered as professional financial advice. We recommend consulting with qualified financial professionals for specific financial decisions.

No Warranties: The app is provided "as is" without warranties of any kind. We do not guarantee that the app will be error-free or uninterrupted.

7. Limitation of Liability

To the maximum extent permitted by law, Talt AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the app.

8. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the app after changes constitutes acceptance of the new terms.

9. Governing Law

These terms are governed by the laws of Bangladesh and Germany.

Privacy Policy

Last Updated: December 2025

1. Our Commitment to Privacy

টাকা বুঝি is designed with privacy as a core principle. We believe your data belongs to you.

2. Data Collection

We DO NOT collect:

Personal identification information (name, email, phone number)
Location data
Device identifiers
Usage analytics sent to external servers
Any data for advertising purposes

What stays on your device:

Your chosen display name (optional, stored locally only)
Learning progress (completed missions, XP, badges)
App preferences and settings
Selected track and goals

3. Data Storage

All your data is stored locally on your device only using secure storage mechanisms:

On iOS/Android: MMKV (encrypted key-value storage)
On Web: Browser localStorage

We do not have access to your data. We cannot see, retrieve, or analyze any information you enter in the app.

4. Data Sharing

We do not share any data with third parties because we do not collect any data. There are:

No analytics services
No advertising networks
No social media integrations that track you
No third-party SDKs that collect data

5. Children's Privacy

টাকা বুঝি is safe for children. We do not collect any personal information from users of any age. The app is compliant with:

Children's Online Privacy Protection Act (COPPA)
General Data Protection Regulation (GDPR)
Bangladesh's data protection guidelines

6. Offline Functionality

The app is designed to work completely offline. No internet connection is required to:

Access all learning content
Complete missions and quizzes
Track your progress
Earn badges and XP

7. Data Deletion

Since all data is stored locally on your device:

To delete your data: Use the "Reset Progress" option in Settings, or uninstall the app
Uninstalling the app removes all associated data from your device
We cannot delete your data because we never had access to it

8. Permissions

The app requests minimal permissions:

Storage (optional): Only if you want to export/backup your progress
No camera, microphone, contacts, or location permissions required

9. Updates to Privacy Policy

We may update this privacy policy from time to time. Any changes will be reflected in the app and on our website with an updated "Last Updated" date.

10. Contact Us

If you have questions about this privacy policy or our practices, please contact us:

Email: [email protected]
Website: https://talt.ai/taka-bujhi

Google Play Store Compliance

Data Safety Section Information

For Google Play Store Data Safety section:

Data Type	Collected	Shared	Purpose
Personal info	No	No	N/A
Financial info	No	No	N/A
Location	No	No	N/A
Web browsing	No	No	N/A
App activity	No	No	N/A
Device ID	No	No	N/A
Photos/Videos	No	No	N/A
Audio	No	No	N/A
Contacts	No	No	N/A
Calendar	No	No	N/A
Messages	No	No	N/A

Data Safety Declaration

✅ Data is not collected
✅ Data is not shared with third parties
✅ Data is stored locally and encrypted
✅ Users can request data deletion (via app settings)
✅ App is compliant with Google Play Families Policy

App Content Rating

Violence	None
Sexual Content	None
Language	None (Bengali educational content)
Gambling	None
Drugs/Alcohol	None
User Interaction	None (single-player, offline app)

Recommended Rating: Everyone (E)

Apple App Store Compliance

App Privacy Details

Data Not Collected

This app does not collect any data.

Privacy Nutrition Label

Data Used to Track You	None
Data Linked to You	None
Data Not Linked to You	None

Contact Information

Developer: Talt AI

Email: [email protected]

Website: https://talt.ai

App Page: https://talt.ai/taka-bujhi

টাকা বুঝি - প্রতিদিন ৫ মিনিটে টাকা নিয়ে বুদ্ধিমান হও

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