Privacy Policy

1. Introduction

BudgetIt ("we," "our," or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our service.

2. Information We Collect

Account Information

When you create an account, we collect:

• Email address
• Name (optional)
• Password (encrypted)

Financial Information

When you connect bank accounts, we receive:

• Account names and types
• Account balances
• Transaction history (descriptions, amounts, dates)
• Institution names

We do not store your bank login credentials. Bank connections are handled securely through our third-party provider, Teller.

Usage Information

We automatically collect:

• Device information (browser type, operating system)
• IP address
• Pages visited and features used
• Date and time of access

Payment Information

Payment processing is handled by Stripe. We do not store your credit card numbers. We receive limited information from Stripe including payment status and subscription details.

3. How We Use Your Information

We use your information to:

• Provide and maintain the Service
• Process transactions and manage subscriptions
• Sync and display your financial data
• Categorize transactions using AI
• Send important notifications about your account
• Improve and personalize the Service
• Respond to customer support requests
• Detect and prevent fraud

4. Data Sharing

We do not sell your personal information. We may share data with:

• Service Providers: Teller (bank connections), Stripe (payments), Supabase (database), OpenAI (transaction categorization)
• Household Members: If you share a household, members can see shared financial data
• Legal Requirements: When required by law or to protect our rights

5. Data Security

We implement industry-standard security measures including:

• Encryption in transit (HTTPS/TLS)
• Encryption at rest for sensitive data
• Secure authentication with hashed passwords
• Regular security audits
• Access controls and monitoring

6. Data Retention

We retain your data for as long as your account is active. When you delete your account, we will delete your personal data within 30 days, except where retention is required by law or for legitimate business purposes.

7. Your Rights

Depending on your location, you may have the right to:

• Access: Request a copy of your personal data
• Correction: Update inaccurate information
• Deletion: Delete your account and data
• Export: Download your data in a portable format
• Opt-out: Unsubscribe from marketing communications

To exercise these rights, visit your Settings page or contact us at privacy@budgetit.app

8. Cookies and Tracking

We use essential cookies to maintain your session and remember your preferences. We do not use third-party advertising cookies. You can control cookies through your browser settings.

9. Children's Privacy

The Service is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected data from a child, we will delete it promptly.

10. International Data Transfers

Your data may be processed in countries outside your residence. We ensure appropriate safeguards are in place for international transfers in compliance with applicable laws.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or through the Service. The "Last updated" date at the top indicates when the policy was last revised.

12. Contact Us

For privacy-related questions or concerns, contact us at:

Email: privacy@budgetit.app