This is the Privacy Policy of founded under Payroot Consultants Private Limited, a company incorporated under the laws of India and having its registered office at AM Zenith Chambers, 3rd Floor Anjaneya Swamy Temple Road, Hosur Rd, Wilson Garden, Bangalore - 560027 Karnataka, India

This Privacy Policy explains our policy regarding the collection, use, disclosure and transfer of your information by and/or its subsidiary(ies) and/or affiliate(s) (collectively referred to as the Company), which operates the website (“”), mobile applications (Nationlearns App) and other services including but not limited to delivery of spend analytics based on SMS, bill splitting related content via the site and application, any mobile or internet connected device or otherwise (collectively the “Nationlearns App Service”).

This Privacy Policy forms part and parcel of the Terms of Use for the Nationlearns App Services. Capitalized terms which have been used here but are undefined shall have the same meaning as attributed to them in the Terms of Use.

As we update, improve and expand or enhance the Nationlearns App Service, so please refer back to it periodically. By accessing the website, Nationlearns mobile application (hereinafter referred to as “Nationlearns App” or otherwise using the Nationlearns Services, you consent to collection, storage, and use of the personal information you provide (including any changes thereto as provided by you) for any of the services that we offer.

The Company respects the privacy of the users of the Nationlearns App Services and is committed to reasonably protect it in all respects. The information about the user as collected by the Company is: (a) information supplied by users and (b) information automatically tracked while using a mobile device having Nationlearns App Services enabled (collectively referred to as Information).


To avail certain services on the Nationlearns App, users are required to provide certain personally identifiable information for the registration process which may include:- a) your name, b) email address, c) phone number, d) access to your phone’s SMS inbox records, Phone Contacts d) debit card, credit card, bank details and any other such information as required. The Information as supplied by the users enables us to improve the Nationlearns App Services and provide you the most user-friendly experience. In some cases/provision of certain service(s) or utility (ies), we may require your contact address as well.


The Site may include links to other websites. Such sites are governed by their respective privacy policies, which are beyond our control. Use of any information you provide is governed by the privacy policy of the operator of the site you are visiting. That policy may differ from ours. If you can’t find the privacy policy of any of these sites via a link from the site’s homepage, you should contact the site directly for more information.

The Company may also present information related to user spends, patterns and user data tracked by the company only in the form of aggregated statistics on data such as user spends by category, date, time, bank balances, etc. within our app/site or to our partners.


We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, including appropriate encryption and physical security measures to guard against unauthorized access to systems where we store personal data. All information gathered on the Nationlearns App is securely stored within the controlled database. Access to the servers is password-protected and is strictly limited

  1. The App and Clients
  2. Company has developed and solely owns a mobile personal finance software application called “Nationlearns App” (which expression shall include future releases of the App). Company makes the App available for download and use on mobile phones to clients (“Clients”). Downloading and installing the App shall be deemed to constitute sufficient proof that Clients have read, understood and accepted this Policy.

  3. Personal Information
  4. 2.1. “Personal Information” for the purposes of this Policy means information that contains mobile phone contacts & text messages (that is, SMS) sent by providers of services and/or products (including but not limited to retail outlets, financial institutions, mobile carriers and utility companies) to the mobile telephone numbers of Clients in connection with one or more transactions (including availing of services or products, order confirmation, billing information and renewal notifications related thereto): (a) Mobile phone numbers of Clients (b) Email addresses of Clients (c) Partial payment card data only to the extent such card data is disclosed in the said messages (d) Information related to the transaction in question including identity of the service or product and the price or fee paid or payable in respect thereof.

  5. Purpose of Collection and Use of Personal Information
  6. Company may collect, store, access and use Personal Information solely to the extent required for Company to enable Clients to utilize the features of the App and to provide better user experience to Clients. The same would be confirmed through call.

  7. Usage of Android advertising ID
  8. As per the terms of Google Play Services, the Company shall use the Android advertising ID when available on a device, only for advertising and user analytics purposes. The Company shall not connect the advertising ID it to any personally identifiable information without the explicit consent of Clients. The Company shall abide by reset and "Opt out of Interest-based Advertising" settings of Clients.

  9. Sharing of Personal Information with Third Parties
  10. Company shall publish, sell, give on rent, trade or otherwise transfer Personal Information to third parties, except as may be required by the clients & law, or pursuant to the order of a court or regulatory authority, or in order for Company to enforce its rights. In the event Company needs to share Personal Information with third parties, Company shall enter into non-disclosure agreements that are, at the least, as protective as the provisions of this Policy.

  11. Choice
  12. Company reasonably presumes that Clients who transmit Personal Information to Company are doing so out of their own volition. Company does not compel Clients to disclose Personal Information. At any time, Clients may opt not to provide Personal Information by uninstalling the App.

  13. Correctness and Integrity of Personal Information
  14. Company accesses Personal Information as aforesaid from SMS messages on an ‘as is’ basis. Therefore, Company shall not be responsible in any way for the correctness, completeness and integrity of any Personal Information collected hereunder.

  15. Security
  16. Company shall take all reasonable precautions by way of using current industry standard encryption technologies to protect Personal Information from loss, misuse and unauthorized access, disclosure, alteration and destruction.

  17. Limit of Liability
  18. Not with standing anything to the contrary in this Policy or any other terms of service or use applicable as between Company and Clients, Company’s aggregate liability hereunder shall be limited to Rs.100 only and shall not extend to any indirect or remote damages whatsoever, including but not limited to special, incidental, consequential, or punitive damages or loss of profits.

  19. Enforcement
  20. For any inquiries and complaints, the following email address may be used: [email protected] All inquiries and complaints shall be looked into promptly and without charging any fee to the inquirer / complainant.

  21. Amendments
  22. We may alter our privacy policy from time to time to incorporate necessary changes in technology, applicable law or any other variant. In any case, we reserve the right to change (at any point of time) the terms of this Privacy Policy or the Terms of Use. Any changes we make will be effective immediately on notice, which we may give by posting the new policy on the Site. Your use of the Walnut App Services after such notice will be deemed acceptance of such changes. We may also make reasonable efforts to inform you via electronic mail. In any case, you are advised to review this Privacy Policy periodically on the Site to ensure that you are aware of the latest version.

  24. Company shall always cooperate with regulatory authorities and investigating agencies in India in the matter of treatment of Personal Information. In the event you have any grievance relating to the processing of information provided by you, you may contact our Grievance Department, at [email protected]

    Write to us at the following address:

    AM Zenith Chambers, 3rd Floor Anjaneya Swamy Temple Road, Hosur Rd, Wilson Garden, Bangalore - 560027 Karnataka, India