Privacy Policy

Smart Budget

Last Updated: January 10, 2025•Effective Date: December 1, 2024

Introduction

This Privacy Policy describes how Smart Budget ("we," "our," or "us") collects, uses, and protects your information when you use our mobile application. We are committed to protecting your privacy and ensuring you understand how your data is handled.

By using Smart Budget, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, do not download, register with, or use this app.

Information We Collect

We collect information you provide directly to us and information automatically collected when you use our app.

Personal Information

Account information (name, email)
Financial data (transactions, budgets, goals)
Bank account information (if connected)
Device and usage analytics

Note: We only collect information that is necessary to provide and improve our services. You can choose not to provide certain information, but this may limit your ability to use some features.

How We Use Your Information

We use the information we collect to provide, maintain, and improve our services.

Provide budgeting and financial tracking services
Generate personalized financial insights
Improve app security and functionality
Send important account notifications

Information Sharing and Disclosure

Financial data is never shared with third parties. Bank connections use secure, encrypted protocols and are processed by certified financial service providers.

Third-Party Services

We may use third-party services that collect, monitor and analyze data to improve our service:

Plaid (for secure bank account connections)
AWS (for secure data storage)
Twilio (for SMS notifications)

Data Retention

Financial data is retained for 7 years for tax and legal purposes, unless you request earlier deletion.

Your Rights and Choices

You have certain rights regarding your personal information. Here's what you can do:

Access your financial data
Export your transaction history
Delete your account and data
Disconnect bank accounts
Control notification preferences

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within 30 days.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption of data in transit and at rest
Regular security assessments and updates
Limited access to personal information on a need-to-know basis
Secure data centers and infrastructure

Children's Privacy

Our app is not intended for children 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 immediately. If we discover that a child under 13 has provided us with personal information, we will delete such information from our servers.

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. 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.

If you have any questions about this Privacy Policy or our data practices, please contact us:

Email: privacy@smartbudget.finance

Address: 789 Finance Boulevard, Money City, MC 13579

We are committed to resolving any privacy concerns you may have. We will respond to all privacy inquiries within 48 hours.

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