Apna Bharosa

Apna Bharosa is a private, end-to-end encrypted vault that quietly safeguards the records your family will need — and releases them automatically if you ever go silent.

Most of us never write things down. Bank account names, insurance policies, recovery phrases, instructions for the people we love — all of it lives in our heads. Apna Bharosa fixes that, without forcing you to hand over passwords or sit down with a lawyer.

WHY IT'S DIFFERENT
• Zero-knowledge architecture: every sensitive field is encrypted on your phone before it leaves it. We store ciphertext. You hold the key.
• Heartbeat ladder: gentle "I'm okay" check-ins keep your vault locked. If you stop checking in, an escalation runs — push reminders, then email, then guardian alerts, then a final release to your chosen nominees.
• Pick who gets what: assign specific assets to specific nominees, each unlocked with a secret only they know.

WHAT YOU CAN STORE
• Bank account names and references
• Insurance policies
• Recovery phrases for crypto wallets, password managers
• Subscriptions to cancel
• Property documents
• Anything else with a "if anything happens to me, my family will need this" feeling

HOW THE RELEASE WORKS
1. You set a check-in cadence (Free: 15 days. Paid: 30/60/90 days)
2. Every few weeks, the app asks "are you still around?"
3. If you don't respond, the escalation begins — push, then email, then guardian
4. After enough missed signals, the nominees you chose receive the encrypted records you assigned to them, decrypted with their secret answer

SECURITY
• AES-256-GCM encryption with keys derived from your PIN
• Biometric unlock via your device's secure enclave
• TLS 1.2+ on every network call
• Open architecture — our server cannot decrypt your data even if compelled

PLANS
• Free — 1 nominee, 2 assets, fixed heartbeat
• Premium ₹89/mo — 3 nominees, 10 assets, WhatsApp + SMS escalation
• Premium Plus ₹179/mo — 10 nominees, 25 assets, voice call escalation, encrypted document vault, legal-export PDF