Privacy Policy for Budge

Last Updated: January 2025

Introduction

Thank you for using Budge ("we," "our," or "the App"). This Privacy Policy explains how we collect, use, store, and protect your information when you use our mobile application.

Information We Collect

1. Personal Financial Data

Budge is designed to help you track your personal finances. The following data is collected and stored locally on your device:

• Transaction Records: Amount, date, category, description, and type (income/expense)
• Categories: Custom category names, colors, icons, and budgets
• Recurring Transactions: Templates for automatic transaction generation
• Financial Reports: Aggregated spending and income data

2. Device Information

• Biometric Data Access: If you enable biometric authentication (Face ID, Touch ID, or fingerprint), we access your device's biometric authentication system. We do not collect, store, or transmit your actual biometric data.
• Camera Access: If you choose to scan receipts, we access your device camera. Images are processed locally and stored only if you choose to save them.
• Photo Library Access: Used to attach receipt images to transactions. We only access photos you explicitly select.
• Local Storage: We store all your financial data locally on your device using secure storage mechanisms.

3. App Preferences

• Theme settings (light/dark mode)
• Language preferences
• Notification settings
• Onboarding completion status

How We Use Your Information

Local Processing Only

Budge is a privacy-first application. All your financial data is:

• ✓ Stored locally on your device
• ✓ Processed entirely on your device
• ✓ Never transmitted to external servers
• ✓ Never shared with third parties
• ✓ Never used for advertising or analytics

Specific Uses

• Transaction Tracking: To record and organize your financial transactions
• Budget Management: To help you track spending against category budgets
• Financial Reports: To generate weekly, monthly, and yearly financial summaries
• Backup & Restore: To allow you to export and restore your data (user-initiated only)
• Authentication: To secure your app with biometric authentication if enabled

Data Storage and Security

Local Storage

• All data is stored locally on your device using MMKV (secure key-value storage)
• Data persists only on your device and is not uploaded to any cloud service by default

Security Measures

• Biometric Protection: Optional Face ID/Touch ID/Fingerprint authentication
• Encryption: Financial data is stored using secure storage mechanisms
• No Backdoors: We cannot access your data remotely
• Device-Only Access: Only you have access to your financial information

Data Backup

• Backups are user-initiated only
• Backup files are stored where you choose (local files, cloud storage you control)
• We do not automatically backup your data to our servers
• You have complete control over backup and restore operations

Data Sharing and Third Parties

We Do NOT:

• ✗ Sell your personal information
• ✗ Share your financial data with third parties
• ✗ Track your behavior for advertising
• ✗ Collect analytics or telemetry data
• ✗ Transmit your data to external servers
• ✗ Access your data remotely

Third-Party Services

Budge does not integrate with any third-party analytics, advertising, or tracking services.

Your Rights and Choices

Data Control

• Access: You have complete access to all your data within the app
• Export: You can export your data at any time via the backup feature
• Delete: You can delete individual transactions, categories, or all data
• Modify: You can edit any transaction or category at any time

Permissions Control

You can control the following permissions in your device settings:

• Camera access (for receipt scanning)
• Photo library access (for receipt images)
• Biometric authentication (Face ID/Touch ID/Fingerprint)
• Notifications

Data Portability

• Export your data in JSON format
• Export financial reports in HTML/Excel format
• Import data from backup files

Data Retention

• Active Data: Your data remains on your device as long as you use the app
• After Uninstall: All data is permanently deleted when you uninstall the app
• Backups: Backup files you create are under your control and storage

Children's Privacy

Budge is intended for users aged 13 and older. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be indicated by updating the "Last Updated" date at the top of this policy. We encourage you to review this policy periodically.

International Users

Budge operates entirely on your local device. Your data does not cross international borders unless you choose to store backups in cloud services you control.

California Privacy Rights (CCPA)

If you are a California resident, you have the right to:

• Know what personal information we collect (listed in this policy)
• Request deletion of your personal information (uninstall the app)
• Opt-out of sale of personal information (we never sell your information)

European Users (GDPR)

If you are located in the European Economic Area (EEA), you have the right to:

• Access your personal data (available in the app)
• Rectify inaccurate data (edit features in the app)
• Erase your data (uninstall the app or delete data)
• Data portability (export backup feature)
• Object to processing (you control all data processing)

Contact Us

Consent

By using Budge, you consent to this Privacy Policy and our data practices as described herein.