None declared
Mostly a question of trust: IME Pay collects data linked to you but declares no tracking. The sensitive items are financial info, location and contacts. In total the label lists 7 data types; 25% of digital wallets we checked declare tracking.
IME Pay privacy in one look
- 1Collects nothing
- 2Not linked
- 3Linked
- 4Tracks you
Built only from the developer's App Store label. It describes disclosure, not tested behaviour.
IME Pay collects 5 data types tied to your identity but declares no tracking.
Did IME Pay ask for something?
Pick the permission prompt you saw. We compare it with what IME Pay's developer declared.
IME Pay lists Location on its label, linked to you. Choose While Using and turn off Precise Location if the feature works without it.
User Content is not on IME Pay's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.
IME Pay lists Contacts on its label. Limited Access shares selected contacts instead of your whole address book.
IME Pay declares no tracking, so a tracking prompt would contradict its label. Decline it, and consider reporting the mismatch to Apple.
Health & Fitness is not on IME Pay's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.
A permission is what the app can reach on your iPhone; the label is what the developer says leaves it. They answer different questions.
What IME Pay collects, explained
| Data type | What it covers | Where to limit it |
|---|---|---|
| Financial InfoSensitiveLinked to you | Card numbers, bank details, credit scores, salary, income, assets or debts. | Pay with Apple Pay where offered so the app never sees your card number, and turn on the app's own login lock. |
| LocationSensitiveLinked to you | Where your phone is, either precisely (street level) or approximately (city or area). | Settings › Privacy & Security › Location Services: choose Never or While Using, and turn off Precise Location if the app does not need it. |
| ContactsSensitiveNot linked to you | The people in your address book or social graph. | Settings › Privacy & Security › Contacts: choose Limited Access to share only selected people, or None. |
| Contact InfoLinked to youNot linked to you | Your name, email address, phone number or postal address. | Use Sign in with Apple with Hide My Email where offered, and check the app's account and marketing preferences. |
| IdentifiersLinked to you | An account ID, screen name, customer number or a device-level ID such as the advertising identifier. | Settings › Privacy & Security › Tracking: turn off Allow Apps to Request to Track, or tap Ask App Not to Track when prompted. |
| Usage DataLinked to you | What you tap, open and view inside the app, plus which ads you have seen. | There is no single iOS switch. Look for an analytics or personalised-ads toggle in the app's own settings. |
| DiagnosticsNot linked to you | Crash logs, launch times, hang rates and energy use. | Settings › Privacy & Security › Analytics & Improvements › Share With App Developers controls what Apple passes on; the app's own crash reporting is separate. |
What IME Pay's label means for you
IME Pay's label has 5 types under “Data Linked to You”, 3 types under “Data Not Linked to You”. A data type can appear in more than one section when it is used for different purposes — for example, identifiers used for both analytics and advertising.
IME Pay declares no tracking, which means the developer says it does not combine your data with other companies' data for advertising or sell it to data brokers. The data linked to you — financial info, location, contact info, identifiers and usage data — is still tied to your identity, typically through an account, and is covered by the developer's privacy policy and retention rules.
The items that deserve the most attention are financial info, location and contacts. Financial data is high-value to criminals and is often regulated. Expect it in banking and budgeting apps; question it elsewhere.
Wallet apps hold payment details, passes or crypto keys. Financial data on the label is expected; tracking alongside it is the thing to compare. Back up recovery phrases offline for crypto wallets, and use Apple Pay where a card wallet is optional.
Among the 173 digital wallets in our snapshot with a label, 25% declare tracking, 55% collect data linked to you and 28% say they collect nothing. IME Pay lists 7 data types, more than the average of 3.3 for this group.
Finance apps need identity and financial data to function. Expect Contact Info and Financial Info; compare apps on tracking and third-party advertising instead.
Settings to check for IME Pay
- 1
Tracking
Settings › Privacy & Security › Tracking. If “Allow Apps to Request to Track” is off, apps cannot ask, and they are told to treat you as having declined. You can also turn it off for this app alone.
- 2
Location
Settings › Privacy & Security › Location Services › IME Pay. Choose While Using or Never, and switch off Precise Location if a city-level answer is enough.
- 3
Contacts
Settings › Privacy & Security › Contacts. Limited Access shares only the people you select instead of your whole address book.
- 4
Sign-in
When creating an account, Sign in with Apple can give the app a relay address from Hide My Email instead of your real one.
- 5
Lock the app
On iOS 18 and later, touch and hold the icon and choose Require Face ID. Anyone who picks up your unlocked phone then needs your face, fingerprint or passcode to open it.
- 6
Notifications
Settings › Notifications › IME Pay › Show Previews: When Unlocked keeps message and account details off the Lock Screen.
Does IME Pay track you?
There is no “Data Used to Track You” section on IME Pay's label.
Lock IME Pay behind Face ID
- Find IME Pay on your Home Screen or in App Library.
- Touch and hold the icon until the quick-actions menu opens.
- Tap Require Face ID (or Require Touch ID / Require Passcode, depending on your iPhone).
- Tap Require Face ID again to confirm. IME Pay now asks for authentication every time it opens.
The lock is an iPhone feature, so it works whether or not IME Pay has a passcode of its own. It does not change what the app sends to its developer.
About IME Pay
| Developer | IME Khalti Limited |
| App Store category | Finance (also Utilities) |
| Latest version | 3.8.7, released October 2025 |
| First released | May 2017 |
| Requires | iOS 13.0 or later |
| Size | 324 MB |
| Age rating | 4+ |
| Languages | 2 (EN, NE) |
| Bundle ID | com.imedigital.imepaywallet |
The current version shipped in October 2025, over a year before our snapshot. Older apps can lag behind iOS privacy features such as limited photo and contact access.
What the label cannot tell you
- A label is self-reported. Apple publishes the developer's answers and can reject apps that misrepresent them, but it does not independently verify what IME Pay sends.
- It does not say where data is stored, how long it is kept, whether it is encrypted, or which companies receive it. The privacy policy covers those points.
- Optional data counts: if a feature lets you add something (a profile photo, a phone number), the type is listed even if you never use the feature.
- Data handled only on your iPhone is not 'collected', so a no-collection label is compatible with an app that reads your files locally.
- Third-party sign-in, payment processors and SDKs are supposed to be included, but a label can lag behind a new version.
The question to ask IME Pay's developer: If I lose my phone, how do I lock or recover the wallet?
IME Pay vs similar digital wallets
- IME Pay (this app)
- DigiLocker
- Coco Wallet
- Ryder Wallet
- AstraX Wallet
- Jaib
- Bitget Wallet
- Cheelee Wallet
Fewer types is not automatically safer: a cloud backup app has to collect your files to work. Compare like with like.
Look up any of our apps in seconds, or put two labels side by side.
Apps similar to IME Pay
All digital wallets → Who tracks you? A–Z → Apps that collect financial info → Privacy label decoder →
Your IME Pay privacy checklist
Done. You have applied every control the label points to.
True or false?
- Right.Not quite.
False: there is no Data Used to Track You section on IME Pay's label.
- Right.Not quite.
Labels are self-reported by developers. Apple can reject or remove apps that misrepresent practices, but it does not audit each label.
- Right.Not quite.
True: Financial Info appears on its label.
- Right.Not quite.
It is collected and sent; the developer says it is de-identified rather than tied to your account or device.
- Right.Not quite.
Apple's rules require apps to work the same whether or not you allow tracking.