Privacy Policy

Budget Genius LLC ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Budget Genius application, website, and related services (collectively, the "Service").

Please read this Privacy Policy carefully. By using the Service, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Service.

We use the information we collect for the following purposes:

• Service Provision: To provide, maintain, and improve the Service
• Account Management: To create and manage your account
• Personalization: To customize your experience and provide relevant features
• Analytics: To generate insights, reports, and budgeting recommendations
• Communication: To send service updates, security alerts, and support messages
• Marketing: To send promotional content (with your consent)
• Security: To detect, prevent, and address fraud and security issues
• Legal Compliance: To comply with legal obligations and enforce our terms
• AI Features: To power AI-driven insights and recommendations (data is not used to train external AI models)

We may share your information in the following circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating the Service (e.g., cloud hosting, payment processing, email delivery). These providers are contractually obligated to protect your data.
• Third-Party Integrations: With services you choose to connect (e.g., QuickBooks), only as necessary to provide the integration functionality.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
• Legal Requirements: When required by law, court order, or government request, or to protect our rights and safety.
• With Your Consent: For any other purpose with your explicit consent.

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

• Encryption: All data is encrypted in transit (TLS 1.3) and at rest (AES-256)
• Access Controls: Role-based access controls and multi-factor authentication
• Secure Infrastructure: Hosted on secure cloud infrastructure with regular security audits
• API Security: OAuth 2.0 for third-party integrations with encrypted credential storage
• Monitoring: Continuous monitoring for unauthorized access and security threats
• Regular Updates: Prompt patching of security vulnerabilities

While we strive to protect your information, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

We retain your information for as long as necessary to provide the Service and fulfill the purposes described in this Privacy Policy:

• Active Accounts: Data is retained while your account is active
• Closed Accounts: Data is deleted or anonymized within 90 days of account closure
• Legal Requirements: Some data may be retained longer if required by law or for legitimate business purposes
• Backups: Backup copies may be retained for up to 30 days after deletion

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request a portable copy of your data in a machine-readable format
• Opt-Out: Opt out of marketing communications at any time
• Withdraw Consent: Withdraw consent for data processing where applicable
• Restrict Processing: Request restriction of processing in certain circumstances

To exercise these rights, please contact us at privacy@budgetgenius.app. We will respond to your request within 30 days.

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

• Right to Know: What personal information we collect, use, and disclose
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt out of the sale of personal information (note: we do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

To submit a CCPA request, please email privacy@budgetgenius.app with "CCPA Request" in the subject line.

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws.

When we transfer data internationally, we use appropriate safeguards such as Standard Contractual Clauses approved by relevant authorities to ensure your information is protected.

We use cookies and similar technologies to:

• Essential Cookies: Enable core functionality like authentication and security
• Functional Cookies: Remember your preferences and settings
• Analytics Cookies: Understand how you use the Service to improve it

You can control cookies through your browser settings. Note that disabling certain cookies may affect Service functionality.