1. Introduction
1. Introduction
Welcome to BudgetHQ ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains what information we collect, how we use it, and what rights you have in relation to it.
By using the BudgetHQ application ("Service"), you agree to the collection and use of information in accordance with this policy.
Our commitment: We never sell your data. Your financial information stays private and secure.
2. Information We Collect
2. Information We Collect
2.1 Information You Provide
Account Info
Name, email address, phone number, and password when you create an account.
Financial Data
Account balances, payment transactions, income entries, spending categories, and budget information.
Profile Info
First name, last name, avatar, and subscription details.
Communications
Any information you provide when contacting our support team.
2.2 Information Collected Automatically
12.3 Third-Party Authentication
Google Apple MicrosoftIf you sign in using a third-party provider, we receive your name, email address, and profile picture. We never receive your password from these providers.
3. How We Use Info
3. How We Use Your Information
We use the information we collect to:
Provide, maintain, and improve the BudgetHQ Service Process and display your financial data Send verification codes for authentication Communicate account updates and security alerts Generate anonymized analytics to improve the Service Detect and address security threats4. Data Storage & Security
4. Data Storage and Security
TLS/SSL In transit Encrypted DB At rest bcrypt PasswordsYour data is stored securely on servers hosted by Render.com in the United States. We use industry-standard encryption (TLS/SSL) for data in transit and encrypted database storage for data at rest.
Passwords are hashed using bcrypt and are never stored in plain text. Verification codes are time-limited and automatically expire.
While we implement commercially reasonable security measures, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.
5. Data Sharing
5. Data Sharing
We do not sell, rent, or trade your personal information.
We may share your information only in these limited circumstances:
We use Twilio for SMS verification and SendGrid for email delivery. These providers only receive the minimum data necessary.
We may disclose your information if required by law, regulation, or legal process.
To protect the rights, property, or safety of BudgetHQ, our users, or others.
6. Your Rights
6. Your Rights
You have the following rights regarding your personal data:
Access
Request a copy of your personal data
Correction
Update or correct inaccurate information
Deletion
Request deletion of your account and data
Export
Request your data in a portable format
Opt-Out
Disable notifications or unlink providers
7. Cookies & Storage
7. Cookies and Local Storage
| Type | Purpose | Duration |
|---|---|---|
| Session Cookie | Authentication — keeps you signed in | Browser session |
| localStorage | Theme preference (light/dark mode) | Persistent |
| localStorage | Sidebar collapse state | Persistent |
We do not use third-party tracking cookies or advertising cookies.
8. Children's Privacy
8. Children's Privacy
BudgetHQ is not intended for users under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal data from a child under 13, we will take steps to delete that information promptly.
9. Policy Changes
9. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the updated policy.
10. Contact Us
10. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
[email protected]