Privacy Policy

1. Data we access and process

To provide autonomous reconciliation and ledger accounting, Calcrum processes:

• Order data: Customer order numbers, gross invoice amounts, line items, and fulfillment statuses from sales channels like Shopify, Amazon, and Flipkart.
• Settlement data: Payment gateway deduction schedules, settlement UTR numbers, and fee breakdowns from Razorpay, Cashfree, PayU, and marketplace payout reports.
• Logistics data: Courier waybill numbers, destination pin codes, billed weights, and shipment tracking milestones from carriers like Delhivery and Shiprocket.
• Bank transaction narration: Bank credit timestamps, debit references, and UTR narration ingested via forwarding or read-only bank feeds.

2. Strictly read-only access

Calcrum never holds custody of your money and cannot initiate fund movements. All connected gateway and sales channel integrations operate on strictly scoped, read-only permissions.

3. No bank credential logging

We never prompt you for or store your net-banking usernames, passwords, or transaction PINs. Bank statements are ingested either via automated email statement forwarding or through RBI-licensed Account Aggregator read-only consent handles.

4. Encryption and storage

All customer transaction logs and financial records are encrypted in transit using TLS 1.3 and at rest with AES-256 encryption. Database access is segregated per tenant, ensuring zero cross-brand data leakage.

5. Data retention and deletion

Your data stays yours. If you choose to terminate your Calcrum account, all ingested transaction logs, reconciliation records, and credential tokens are permanently deleted from our active databases within 30 days of offboarding.

6. Contact privacy officer

For security disclosures or privacy inquiries, contact our team directly at rahul@calcrum.com.