Privacy Policy

Introduction

Budget AI Platform ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our budgeting and financial management application.

Information We Collect

Personal Information You Provide

• Account Information: Name, email address, password
• Financial Information: Account balances, transaction data, budget information, financial goals
• Payment Information: Credit card details for subscription payments (processed securely through Stripe)
• User-Generated Content: Notes, categories, custom budget settings

Information Collected Automatically

• Usage Data: Pages visited, features used, time spent on platform
• Device Information: Browser type, operating system, IP address
• Cookies and Tracking: Session cookies, preference cookies, analytics cookies

How We Use Your Information

We use your information for the following purposes:

• Provide and maintain our budgeting services
• Process your transactions and manage your subscription
• Generate AI-powered financial insights and recommendations
• Send you important updates about your account and our services
• Improve our platform and develop new features
• Detect and prevent fraud or security issues
• Comply with legal obligations

How We Share Your Information

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

• Service Providers: Third-party vendors who help us operate our platform (e.g., cloud hosting, payment processing, analytics)
• Legal Requirements: When required by law or to protect our rights and safety
• Business Transfers: In connection with a merger, acquisition, or sale of assets

Your California Privacy Rights (CCPA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request disclosure of personal information we collect, use, and share
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt-out of the sale of your personal information (we do not sell your data)
• Right to Non-Discrimination: Not be discriminated against for exercising your privacy rights

To exercise these rights, please visit our Do Not Sell My Personal Information page or contact us at privacy@budgetai.com.

Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. If you request deletion of your account, we will delete your information within 30 days, except where we are required by law to retain certain data.

Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of data in transit and at rest
• Secure authentication using AWS Cognito
• Regular security audits and monitoring
• Restricted access to personal information

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience. You can control cookie preferences through your browser settings or our cookie consent banner.

Types of cookies we use:

• Essential Cookies: Required for platform functionality
• Analytics Cookies: Help us understand how you use our platform
• Preference Cookies: Remember your settings and preferences

Third-Party Services

Our platform integrates with third-party services:

• AWS (Amazon Web Services): Cloud hosting and infrastructure
• Stripe: Payment processing
• Anthropic Claude: AI-powered financial insights

These third parties have their own privacy policies and we encourage you to review them.

Children's Privacy

Our platform is not intended for users under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us.

International Users

Our platform is hosted in the United States. If you access our platform from outside the U.S., your information will be transferred to and processed in the United States. By using our platform, you consent to this transfer.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date. Your continued use of our platform after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us: