1. Interpretation and Definitions
Capitalized terms have the meanings set out in this Policy. Definitions apply whether terms appear in singular or plural.
- Service: Budget Nerd application, website, and related services.
- Personal Data (or Personal Information): information relating to an identified or identifiable person.
- Usage Data: data collected automatically from use of the Service.
- Cookies: small files stored on your device/browser.
- Service Provider: third parties processing data on our behalf.
2. Information We Collect
Depending on how you use the Service, we may collect:
- Account and contact information you provide.
- Content and data you create or upload while using core features.
- Technical, diagnostic, and device-related information.
- Communication and support information.
3. Cookies and Similar Technologies
We may use cookies and similar technologies to operate, secure, and improve the Service. Where required by law, non-essential technologies are used only with valid consent.
You can control cookies through browser/device settings. Disabling certain cookies may affect functionality.
4. How We Use Personal Data
We may use Personal Data to:
- Provide, maintain, and improve the Service.
- Manage accounts, authentication, and security.
- Provide support and respond to requests.
- Send service-related notices and updates.
- Comply with legal obligations and enforce agreements.
- Evaluate usage trends and service performance.
5. Legal Bases (where applicable)
Where required by law, processing is based on one or more of: contract performance, legitimate interests, consent, and legal obligations.
6. Sharing and Disclosure
We may share Personal Data in limited circumstances:
- With Service Providers that support operation of the Service.
- For business transfers (for example, merger, acquisition, or reorganization).
- When required by law or valid legal process.
- To protect rights, safety, security, and prevent misuse.
- With your consent where applicable.
We do not sell Personal Data for monetary consideration.
7. Retention
We retain Personal Data only for as long as necessary for the purposes described in this Policy, including legal, accounting, security, and dispute-resolution needs.
When data is no longer required, we delete or anonymize it, subject to legal requirements and backup cycles.
8. International Transfers
Your information may be processed in countries other than your own. Where required, we apply safeguards for cross-border transfers.
9. Security
We use reasonable technical and organizational measures to protect Personal Data. No method of transmission or storage is completely secure, and absolute security cannot be guaranteed.
10. Your Rights and Choices
Depending on your jurisdiction, you may have rights to access, correct, delete, restrict, or export your Personal Data, and to withdraw consent where processing is based on consent.
To submit a privacy request, contact [email protected].
11. California Privacy Notice (CCPA/CPRA)
This section applies to California residents and supplements this Privacy Policy.
Subject to applicable law, California residents may have rights to:
- Know and access categories and specific pieces of Personal Information.
- Request correction of inaccurate Personal Information.
- Request deletion of Personal Information (subject to exceptions).
- Receive a portable copy of Personal Information.
- Opt out of sale/share where applicable.
- Not be discriminated against for exercising privacy rights.
12. GDPR / UK GDPR Notice
If you are in the EEA/UK, you may have rights to:
- Access, rectify, erase, or port your data.
- Object to or restrict certain processing.
- Withdraw consent where consent is the legal basis.
- Lodge a complaint with a supervisory authority.
13. CalOPPA Notice
In line with CalOPPA, this Policy explains categories of data collected, how it is used/shared, and how users may request changes or deletion.
Our Service currently does not respond to browser Do Not Track signals due to the absence of a uniform technical standard.
14. Children's Privacy
The Service is not directed to children under 16. We do not knowingly collect personal information from children under 16 without required parental consent.
15. Third-Party Links
The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of third parties.
16. Changes to This Privacy Policy
We may update this Policy from time to time. Updates will be posted on this page with a revised "Last updated" date.
17. Contact
If you have questions about this Privacy Policy, contact us at [email protected].