1. Introduction
Welcome to Budget – Income & Expense Tracker ("Budget", "we", "our", or "the App").
We respect your privacy and are committed to protecting your personal and financial information. This Privacy Policy explains how information is handled when you use the Budget mobile application.
Budget is designed as an offline-first personal finance management application that allows users to manage income, expenses, planned payments, debts, shopping lists, trip budgets, financial categories, and related financial information.
The core features of the App do not require users to connect a bank account or create a cloud account.
By using the App, you agree to the practices described in this Privacy Policy.
2. Information You Enter into the App
Depending on how you use Budget, you may enter information such as:
Income and expense transactions
Transaction amounts
Transaction dates
Categories and notes
Planned payments and reminders
Debt and repayment information
Shopping lists
Trip budgets and expense details
Profile or member names
Custom categories
App preferences and settings
This information is entered voluntarily by you for the purpose of using the App's financial management features.
3. Local Data Storage
Budget is designed to be offline-first.
Your core financial data is stored locally on your device and is not automatically uploaded to our servers or cloud storage.
The App does not require a direct connection to your bank account to provide its core budgeting and expense-tracking functionality.
Because your data is primarily stored on your device, uninstalling the App, clearing application data, resetting your device, or losing your device may result in the loss of locally stored information unless you have separately exported or backed up that information.
4. Multi-Profile Information
Budget may allow you to create multiple profiles or member profiles within the App.
Each profile may contain separate financial information, including income, expenses, categories, and pinned items.
These profiles are intended to help users organize financial information for different members within the same application. Profile information used by the core App remains stored locally on the device unless otherwise explicitly stated.
5. Notifications and Reminders
The App may request permission to send notifications.
Notifications may be used for:
Planned payment reminders
Upcoming bill reminders
Debt due-date reminders
Other finance-related alerts configured by you
These notifications may be scheduled and processed locally on your device.
You can disable notification permissions through your device settings or the App's notification settings where available.
6. Exporting and Sharing Data
Budget provides features that may allow you to export financial or planning information in formats such as:
PDF
Excel (.xlsx)
Word/Doc
Image files
You may also be able to share exported files using your device's system sharing functionality.
When you choose to export or share information, the resulting files may contain financial or personal information that you entered into the App.
Once you share an exported file with another person, application, cloud storage provider, messaging service, email service, or other third-party service, the handling of that information is subject to the privacy practices of the receiving party or service.
You are responsible for choosing where and with whom you share exported information.
7. Device Permissions
Depending on the features you use and your operating system, Budget may request certain device permissions.
These may include permissions necessary for:
Sending notifications
Saving or accessing exported files
Sharing files through compatible applications
Opening exported documents using external applications
We request permissions only when they are required to provide the relevant App functionality.
You can manage permissions through your device settings.
8. Financial Information
Budget is a personal financial tracking and planning tool.
The App may process financial information that you manually enter, such as income, expenses, debts, repayments, planned payments, and budgets.
Budget does not provide banking services, financial advisory services, investment advice, or credit services.
The financial information displayed by the App is based on information entered and managed by the user.
9. Data Collection and Third-Party Services
The core functionality of Budget is designed to work without a backend or cloud dependency.
If future versions of the App introduce optional third-party services, analytics, crash reporting, advertising, cloud backup, authentication, or other online services, this Privacy Policy may be updated to explain what information those services collect and how that information is used.
Third-party services may operate under their own privacy policies.
10. Data Security
We take reasonable measures in the design of the App to help protect locally stored information.
However, no device or digital storage system can be guaranteed to be completely secure.
Users are encouraged to:
Protect their device with a password, PIN, fingerprint, or other security mechanism.
Avoid sharing sensitive exported financial documents with unauthorized persons.
Store exported files securely.
Keep their device operating system and applications updated.
11. Data Retention and Deletion
Because core App data is stored locally, you generally control the information stored within the App.
Where supported, you may delete individual transactions, categories, reminders, debts, profiles, shopping lists, and other records directly through the App.
You may also remove locally stored App data by clearing the application's storage or uninstalling the App, subject to your device's operating system and backup settings.
Please note that files you previously exported or shared may remain in other locations and must be deleted separately.
12. Children's Privacy
Budget is not specifically designed for children under the minimum age required by applicable privacy laws.
We do not knowingly collect children's personal information through our own servers as part of the App's core offline functionality.
Parents or guardians should supervise the use of financial applications by minors where appropriate.
13. Changes to This Privacy Policy
We may update this Privacy Policy when the App's features, technology, or legal requirements change.
When changes are made, the Last Updated date at the top of this Privacy Policy will be revised.
Users are encouraged to review this Privacy Policy periodically.
14. Your Privacy Choices
You may control your information by:
Adding, editing, or deleting information within the App.
Managing notification permissions.
Controlling which files you export.
Choosing whether and with whom exported files are shared.
Managing App permissions through your device settings.
Removing locally stored information by clearing App data or uninstalling the App.
