Privacy Policy

Last updated: March 31, 2025

1. Overview

Budgetero ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains what information we collect, how we use it, and your rights in relation to it. By using the App, you agree to the collection and use of information as described in this policy.

2. Information We Collect

Account information: When you register, we collect your name and email address. If you sign in with Google or Apple, we receive your name and email from those services. Apple users may opt to hide their email address, in which case we receive an Apple-generated relay address.

Financial data: When you connect a bank account via Plaid, we retrieve account names, balances, and transaction history from your financial institutions. This data is fetched on your behalf and stored securely in your account.

Usage data: We collect basic information about how you use the App, such as features accessed and sync activity, to improve the service. This data is not sold or used for advertising profiling.

Device and notification data: If you enable push notifications, we collect a device push token via Firebase Cloud Messaging to deliver transaction and account alerts.

Biometric data: If you enable Face ID sign-in, your credentials are stored locally in the iOS Secure Enclave (Keychain) on your device. We never transmit or store biometric data on our servers.

3. How We Use Your Information

  • To create and maintain your account
  • To retrieve and display your financial data from connected institutions
  • To send you transaction alerts and account notifications (if enabled)
  • To manage your subscription and process premium upgrades via the App Store
  • To respond to support requests
  • To improve and debug the App

We do not sell your personal data. We do not use your financial data for advertising purposes.

4. Advertising

Free tier users may see ads served by Google AdMob. AdMob may use your device's advertising identifier and general usage signals to serve relevant ads, subject to your device's ad tracking settings (ATT). You can limit ad tracking in your iPhone's Privacy settings under "Tracking." Premium subscribers do not see ads.

5. Third-Party Services

We share data with third-party providers only as necessary to operate the App:

  • Plaid — connects to your financial institutions on your behalf. Your banking credentials are never seen or stored by Budgetero. See Plaid's Privacy Policy.
  • Google Sign-In / Google AdMob — used for optional authentication and ad delivery. See Google's Privacy Policy.
  • Sign in with Apple — used for optional authentication. See Apple's Privacy Policy.
  • Firebase (Google) — used for push notification delivery.
  • Apple App Store — manages subscription billing and in-app purchases.

6. Data Retention

We retain your account and financial data for as long as your account is active. If you delete your account, we will delete your personal data within 30 days, except where we are required to retain it for legal or regulatory purposes.

7. Data Security

We use industry-standard security measures including encrypted connections (HTTPS/TLS), hashed passwords, and short-lived access tokens with rotating refresh tokens to protect your data. Financial institution credentials are handled exclusively by Plaid and are never transmitted to our servers.

8. Children's Privacy

Budgetero is not intended for users under the age of 16. We do not knowingly collect personal information from anyone under 16. If you believe a minor has provided us with personal information, please contact us and we will delete it promptly.

9. Your Rights

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

  • Access the personal data we hold about you
  • Request correction of inaccurate data
  • Request deletion of your account and associated data
  • Withdraw consent for data processing where consent is the legal basis
  • Lodge a complaint with a supervisory authority

To exercise any of these rights, contact us at [email protected].

10. International Transfers

Your data may be stored and processed in Canada or the United States. By using the App, you consent to the transfer of your information to these countries, which may have different data protection laws than your country of residence.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via the App or by email. The "Last updated" date at the top of this page will always reflect the most recent revision. Continued use of the App after changes are posted constitutes acceptance of the updated policy.

12. Contact

If you have any questions or concerns about this Privacy Policy, please reach out at [email protected].