About Hisabzo

Last updated 26 October 2026

Hisabzo is a free, private udhaar khata: a simple place to note the money you lend and borrow, see who owes what, and keep every repayment on record.

Who is behind it

Hisabzo is built and run by Abdul Nafay. You can write to me directly at abdulnafay2005@gmail.com, or use the contact form.

What Hisabzo is, and is not

• It is a record-keeping tool for personal lending and borrowing.
• It is not a bank, a lender or a payment service. It never moves money.
• It does not give financial, legal or tax advice.

Your data

• The records you enter belong to you, and each account can reach only its own records.
• We do not sell your information and we do not use your ledger for advertising.
• In Settings you can download a copy of everything stored for your account (PDF or JSON) and delete your account whenever you want.
• A deleted transaction can be restored for 30 days from History. After that it is removed for good.
• When you import contacts from a file, the file is read on your own device. Only the people you choose to import are saved.

The full details are in the Privacy Policy and the Terms & Conditions.