Privacy Policy

1. Introduction

Welcome to BudgetAI. We respect your privacy and are committed to protecting your personal data. This privacy policy will inform you about how we look after your personal data when you visit our website or use our services and tell you about your privacy rights and how the law protects you.

This privacy policy applies to all users of BudgetAI, including free users, paid subscribers, and visitors to our website. By using our services, you consent to the collection, use, and sharing of your information as described in this privacy policy.

2. Information We Collect

We collect several types of information from and about users of our services, including:

2.1 Personal Information

• Account Information: When you register for an account, we collect your name, email address, and password.
• Profile Information: Information you provide in your user profile, such as your profile picture, contact information, and preferences.
• Financial Information: Information about your financial accounts, transactions, budgets, and goals that you input into our system or that we collect through your linked financial accounts with your permission.
• Payment Information: If you subscribe to a paid plan, we collect payment information, including credit card details or other payment method information.

2.2 Usage Information

• Log Data: We automatically collect information that your browser sends whenever you visit our website or use our services, including your IP address, browser type, internet service provider, referring/exit pages, date/time stamps, and clickstream data.
• Device Information: We collect information about the device you use to access our services, including hardware model, operating system, and unique device identifiers.
• Usage Patterns: We collect information about how you interact with our services, including features you use, actions you take, and time spent on the platform.

2.3 Cookies and Similar Technologies

We use cookies and similar tracking technologies to track activity on our services and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our services.

3. How We Use Your Information

We use the information we collect for various purposes, including:

• To provide, maintain, and improve our services
• To process transactions and manage your account
• To provide customer support and respond to your requests
• To generate personalized financial insights and recommendations using our AI-powered analytics
• To send you technical notices, updates, security alerts, and administrative messages
• To communicate with you about products, services, offers, promotions, and events, and provide other news or information about us and our partners
• To monitor and analyze trends, usage, and activities in connection with our services
• To detect, investigate, and prevent fraudulent transactions and other illegal activities
• To personalize your experience and deliver content relevant to your interests
• To comply with legal obligations

4. How We Share Your Information

We may share your personal information in the following situations:

• With Service Providers: We may share your information with third-party vendors, service providers, contractors, or agents who perform services for us or on our behalf.
• With Your Consent: We may share your information when you have given us your consent to do so for a specific purpose.
• For Legal Reasons: We may disclose your information where required to do so by law or in response to valid requests by public authorities.
• Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
• With Business Partners: We may share your information with our business partners to offer you certain products, services, or promotions.

We do not sell your personal information to third parties. We may share aggregated, anonymized data that does not identify you directly with third parties for business purposes.

5. Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. These measures include:

• Encryption of sensitive data both in transit and at rest using industry-standard protocols
• Regular security assessments and penetration testing
• Access controls and authentication mechanisms
• Regular security training for our employees
• Physical security measures for our offices and data centers

However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

6. Your Data Protection Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• Right to Access: You have the right to request copies of your personal information.
• Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
• Right to Erasure: You have the right to request that we erase your personal information, under certain conditions.
• Right to Restrict Processing: You have the right to request that we restrict the processing of your personal information, under certain conditions.
• Right to Object to Processing: You have the right to object to our processing of your personal information, under certain conditions.
• Right to Data Portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you would like to exercise any of these rights, please contact us using the contact information provided at the end of this privacy policy.

7. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this privacy policy. We will retain and use your information to the extent necessary to comply with our legal obligations, resolve disputes, and enforce our policies.

If you request deletion of your account, we will delete your personal information within 30 days, except for information that we are required to retain for legal or legitimate business purposes.

8. Children's Privacy

Our services are not intended for use by children under the age of 13. We do not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we can take necessary actions.

9. International Data Transfers

Your information may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including personal data, to the United States and process it there. Your consent to this privacy policy followed by your submission of such information represents your agreement to that transfer.

10. Third-Party Links

Our services may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the privacy policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

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 and updating the "Last updated" date at the top of this privacy policy.

You are advised to review this privacy policy periodically for any changes. Changes to this privacy policy are effective when they are posted on this page.

12. Contact Us

If you have any questions about this privacy policy or our practices regarding your personal information, please contact us at: