1. Scope
This Privacy Policy applies to the Budget Nerd website, mobile applications, APIs, and related services (collectively, the "Service"). By using the Service, you agree to this Privacy Policy.
2. Information You Provide
Depending on how you use the Service, you may provide:
- Account data such as name, email, and authentication identifiers.
- Budget data such as sheets, transactions, goals, and net worth items.
- Device data such as push notification tokens and app settings.
- Support messages or feedback you voluntarily send.
3. Data We Process Automatically
We may process technical and operational data, including:
- IP address, coarse location derived from IP, device type, OS, and app version.
- Server logs, error logs, request metadata, and security/audit events.
- Session information required to keep the Service functioning and secure.
4. Encryption and Financial Data
Budget Nerd is designed around user-controlled encryption workflows. Some data may be encrypted end-to-end by your device before reaching our servers. You are responsible for safeguarding your recovery methods (for example, backup files and passphrases). Loss of your encryption materials may permanently prevent access to your data.
5. How We Use Information
We process data to:
- Provide core app functionality, synchronization, collaboration, and notifications.
- Authenticate users and protect account security.
- Troubleshoot failures, prevent abuse, and maintain service integrity.
- Comply with legal obligations and enforce our Terms.
6. Legal Bases (where applicable)
Where required by law, we rely on one or more legal bases including performance of a contract, legitimate interests (such as security and fraud prevention), consent (where requested), and compliance with legal obligations.
7. Data Sharing
We do not sell your personal information for money. We may share information only in limited cases, such as:
- With infrastructure/service providers acting on our instructions.
- When required by law, subpoena, or valid legal process.
- To enforce rights, security, and fraud prevention.
- As part of a merger, acquisition, restructuring, or asset transfer.
8. Data Retention
We keep information for as long as needed to provide the Service, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods can vary by data type and legal requirements.
9. Your Rights and Choices
Depending on your jurisdiction, you may have rights to access, correct, delete, or export data.
You may also disable push notifications in your device settings. Some deletions or restrictions may limit app functionality.
10. Children’s Privacy
The Service is not directed to children under the age required by local law for digital consent. If you believe a child provided personal data without required consent, contact us so we can investigate and take appropriate action.
11. Security Disclaimer
We use reasonable technical and organizational safeguards. However, no system is perfectly secure, and we cannot guarantee absolute security of transmissions, storage, or third-party infrastructure.
12. International Transfers
Your information may be processed in countries other than your own. Where required, we implement contractual and organizational safeguards for cross-border transfers.
13. Changes to This Policy
We may update this Privacy Policy at any time. Continued use of the Service after an update means you accept the revised policy.
14. Contact
For privacy requests or questions, contact: [email protected]