Privacy Policy

1. Information We Collect

We collect several types of information to provide and improve our service:

Personal Information:

• Name and email address
• Account credentials
• Profile information
• Social login profile data (from LINE, Google, Facebook, Apple)

Financial Data:

• Transaction details you input
• Budget information
• Spending categories
• Financial goals
• Receipt images (optional)

Subscription Information:

• Subscription plan and status
• Payment receipts (processed by Apple/Google)
• AI usage quotas

Usage Information:

• App usage patterns
• Device information
• Log data and analytics
• Error reports and crash logs

2. How We Use Your Information

We use the collected information for various purposes:

• To provide and maintain our service
• To notify you about changes to our service
• To provide customer support
• To gather analysis to improve our service
• To monitor the usage of our service
• To detect and prevent technical issues
• To provide AI-powered insights and categorization
• To send you notifications about your spending

3. Data Storage and Security

We take the security of your data seriously:

• All data is encrypted in transit using SSL/TLS
• Data at rest is encrypted using industry-standard encryption
• We use secure cloud infrastructure
• Regular security audits are performed
• Access to user data is strictly controlled
• We never sell your personal information to third parties

4. AI and Machine Learning

Budgy uses AI to provide smart features:

• Transaction categorization uses machine learning models
• Natural language processing for text-based transaction entry
• Receipt OCR (Optical Character Recognition) for scanning receipts
• Spending insights are generated using AI analysis
• Voice assistant powered by speech recognition

Third-Party AI Providers:

• We use OpenAI, Anthropic Claude, and Google Gemini for AI features
• Transaction data sent to AI providers is processed securely and not stored by them
• AI providers do not use your data to train their models

You can opt out of AI features in app settings. AI processing occurs on secure cloud servers.

5. Data Sharing

We may share your information in limited circumstances:

Service Providers:

• Google Firebase (Authentication, Cloud Storage)
• PostgreSQL and Redis (Database hosting)
• OpenAI, Anthropic, Google (AI processing)
• Sentry (Error tracking and monitoring)
• Apple App Store & Google Play (Payment processing)
• AWS S3 (Receipt image storage)

Authentication:

• Firebase Authentication for social login (LINE, Google, Facebook, Apple)
• Social login providers may receive basic profile information

Legal Requirements:

• When required by law
• To protect our rights
• To prevent fraud or security issues

We never sell your personal data to advertisers or marketers.

6. Your Privacy Rights

You have the following rights regarding your data:

• Access: Request a copy of your personal data
• Correction: Update incorrect or incomplete data
• Deletion: Request deletion of your account and data
• Export: Download your data in a portable format
• Opt-out: Disable certain data collection features

To exercise these rights, contact us at [email protected]

7. Data Retention

We retain your information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements

When you delete your account, we permanently delete your data within 30 days, except where retention is required by law.

8. Children's Privacy

Budgy is not intended for users under the age of 13. 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.

9. International Data Transfers

Your information may be transferred to and maintained on servers located outside of your country. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

10. Cookies and Tracking

Budgy may use cookies and similar tracking technologies to:

• Maintain your session
• Remember your preferences
• Analyze app usage
• Improve user experience

You can control cookie settings through your device settings.

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last updated" date
• Sending you an email notification
• Displaying an in-app notification

You are advised to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have any questions about this Privacy Policy, please contact us:

Email: [email protected]
Support: [email protected]
Website: www.budgy.app

We aim to respond to all inquiries within 48 hours.