Privacy Policy

Introduction

Welcome to budJET. We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our personal budget tracking application ("Service").

By using budJET, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Service.

Information We Collect

Personal Information

When you create an account, we collect:

• Account Information: Email address, name, and password (encrypted)
• Profile Information: First name, last name, timezone preference
• Authentication Data: Login credentials and two-factor authentication settings

Financial Information

To provide our budget tracking services, we collect:

• Bank Account Details: Account names and balances (you enter manually)
• Transaction Data: Via Plaid integration (if you choose to connect your bank)
• Budget Information: Paychecks, recurring bills, credit card information
• Payment Schedules: Due dates, payment amounts, and frequencies

Usage Information

We automatically collect certain information when you use our Service:

• Log Data: IP address, browser type, operating system
• Device Information: Device type, unique device identifiers
• Usage Data: Pages visited, features used, time spent on the Service

How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve the Service
• Create and manage your account
• Process and track your financial transactions
• Generate budget projections and financial insights
• Send you service-related notifications and updates
• Respond to your inquiries and provide customer support
• Detect, prevent, and address security issues or fraud
• Comply with legal obligations and enforce our terms

Third-Party Services

Plaid Integration

If you choose to connect your bank account, we use Plaid Inc. to retrieve your financial data. Plaid's services are subject to their own privacy policy available at https://plaid.com/legal/#privacy-policy.

When you connect your bank account through Plaid, they collect your banking credentials and transaction history. We receive only the data necessary to provide our budget tracking services.

Authentication Providers

We offer authentication through third-party services including:

• Google
• Microsoft
• GitHub
• Apple

When you use these services, they may share your basic profile information (name, email) with us. Each provider's privacy policy governs their data practices.

Data Security

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

• Encryption: All data is encrypted in transit (HTTPS/TLS) and at rest
• Password Security: Passwords are hashed using bcrypt encryption
• Two-Factor Authentication: Optional 2FA for additional account protection
• Access Controls: Strict access controls limit who can view your data
• Regular Security Audits: We regularly review and update our security practices

Data Retention

We retain your personal and financial information for as long as your account is active or as needed to provide you with our services. If you close your account, we will delete your personal data within 90 days, unless we are required to retain it for legal or regulatory purposes.

You can request deletion of your account and data at any time through your account settings or by contacting us.

Your Rights

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Update or correct your personal information
• Deletion: Request deletion of your personal information
• Export: Download your data in a portable format (JSON)
• Withdraw Consent: Opt-out of optional data collection or processing
• Object: Object to processing of your personal information in certain circumstances

To exercise any of these rights, please use the Import/Export feature or contact us using the information provided below.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Maintain your login session
• Remember your preferences (like timezone and view settings)
• Analyze how you use our Service
• Provide a personalized experience

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of the Service.

Shared Budgets

If you choose to share your budget with other users, the following information will be visible to those users:

• Budget name and shared financial data
• Bank account balances (if you grant access)
• Paychecks, bills, and transactions you've added
• Your name and email address

You control what you share and can revoke access at any time through the Shared Access settings.

Children's Privacy

Our Service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will delete such information from our systems.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top.

We encourage you to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

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

GDPR Compliance (European Users)

If you are located in the European Economic Area (EEA), you have certain data protection rights under the General Data Protection Regulation (GDPR). We process your personal data based on the following legal grounds:

• Consent: You have given explicit consent for processing your data
• Contract: Processing is necessary to provide the Service you requested
• Legal Obligation: Processing is required to comply with legal requirements
• Legitimate Interests: Processing is necessary for our legitimate business interests

You have the right to lodge a complaint with a data protection authority about our collection and use of your personal information.

California Privacy Rights (CCPA)

If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA):

• Right to Know: Request information about the personal data we collect
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt-out of the sale of personal information (we do not sell your data)
• Right to Non-Discrimination: We will not discriminate against you for exercising your rights