Privacy Policy

Last Updated: January 2025

1. Introduction

Welcome to Our Budget ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our expense tracking application.

By using Our 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, please do not use our service.

2. Information We Collect

2.1 Account Information

When you create an account, we collect:

  • Email address and password (for authentication)
  • Profile information you choose to provide

2.2 Financial Data

To provide our expense tracking services, we collect and store:

  • Transaction records (expenses and income)
  • Categories and subcategories you create
  • Account information (e.g., "Cash", "Credit Card")
  • Recurring payment configurations
  • Photos of invoices/receipts (if you choose to upload them)
  • Group membership and invitation codes

2.3 Usage Information

We may collect information about how you interact with our app, including device information, IP address, and usage patterns to improve our services.

3. How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our expense tracking services
  • Enable real-time synchronization across your devices and group members
  • Process recurring payments and send push notifications
  • Generate monthly reports and financial insights
  • Authenticate your identity and secure your account
  • Respond to your inquiries and provide customer support
  • Detect and prevent fraud or unauthorized access

4. Data Storage and Security

4.1 Cloud Storage

Your data is securely stored in the cloud using Firebase services, ensuring that all group members see the latest information instantly on their own devices. This cloud-based storage also provides automatic backup of your financial data.

4.2 Security Measures

We implement industry-standard security measures to protect your information:

  • Secure Email/Password authentication through Firebase Authentication
  • Encrypted data transmission using HTTPS
  • Role-based permissions to control access within groups
  • Regular security audits and updates

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

5. Data Sharing and Disclosure

5.1 Within Your Groups

When you join or create a financial group, the following information is shared with other group members:

  • All transactions added to the group
  • Categories, accounts, and settings configured for the group
  • Your name or identifier associated with transactions you add

5.2 Third-Party Services

We use Firebase (Google) services for:

  • Authentication (Firebase Authentication)
  • Data storage (Cloud Firestore)
  • Cloud Functions for automated recurring payments
  • Push notifications (Firebase Cloud Messaging)

These services are subject to their own privacy policies. We do not sell your personal information to third parties.

6. Your Rights and Choices

You have the right to:

  • Access and review your personal and financial data
  • Update or correct your account information
  • Delete your account and associated data
  • Leave a group at any time
  • Control push notification preferences

To exercise these rights, please contact us at hi@ourbudget.co.

7. Data Retention

We retain your data for as long as your account is active or as needed to provide our services. If you delete your account, we will delete or anonymize your personal information, except where we are required to retain it for legal or regulatory purposes.

8. Children's Privacy

Our Budget is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

9. Changes to This Privacy Policy

We may update this 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.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at hi@ourbudget.co.

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