Privacy Policy
Last updated: October 21, 2026
Your privacy matters to us. This Privacy Policy describes how Balanced Budget LLC collects, uses, and protects your personal and financial information.
1. Introduction
Balanced Budget LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance application ("the Service"). We are committed to being transparent about our data practices and giving you control over your information.
2. Information We Collect
We collect the following types of information: (a) Account Information: your name, email address, and authentication credentials when you register. (b) Financial Data: expenses, debt payoff plans, savings goals, and other financial records you voluntarily enter into the Service. (c) Usage Data: information about how you interact with the Service, including device type, browser type, pages visited, and timestamps. (d) Payment Information: billing details processed through our payment provider for subscription fees.
3. How We Use Your Information
We use your information to: (a) provide, maintain, and improve the Service; (b) process subscription payments and manage your account; (c) display financial summaries, charts, and insights based on the data you enter; (d) send you service-related communications such as billing notices and policy updates; (e) monitor for fraud, abuse, and security threats; and (f) comply with legal obligations.
4. Sharing Your Information
We do not sell your personal or financial data to third parties. We may share your information only in these limited circumstances: (a) with service providers who help us operate the Service (e.g., payment processing, cloud hosting), under strict confidentiality agreements; (b) when required by law, court order, or government regulation; (c) to protect our rights, property, or safety, or that of our users; and (d) in connection with a merger, acquisition, or sale of assets, with notice to you. In addition, the financial data you enter may be processed by AI service providers in order to generate the insights, financial health scores, and recommendations shown in the Service. This data is not used to sell or advertise to you.
5. Data Security
We implement industry-standard technical and organizational measures to protect your data, including encryption in transit and at rest, access controls, and regular security reviews. However, while we take reasonable measures to protect your information, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for keeping your account credentials confidential and for all activity under your account.
6. Data Retention
We retain your information for as long as your account is active or as needed to provide the Service. Financial data you enter remains accessible to you until you delete it. If you cancel your subscription, your data is retained for a limited period to allow reactivation, after which it may be permanently deleted. You may request deletion of your data at any time through the Account Settings page.
7. Your Privacy Rights
Depending on your jurisdiction, you may have the right to: (a) access the personal data we hold about you; (b) request correction of inaccurate data; (c) request deletion of your data; (d) opt out of marketing communications; and (e) withdraw consent for data processing where applicable. To exercise these rights, use the Account Settings page or contact us at support@balancedbudget.net.
8. Cookies and Tracking
The Service may use cookies and similar technologies to remember your preferences, maintain your session, and analyze usage patterns. You can control cookies through your browser settings, but disabling them may affect functionality.
9. Children's Privacy
The Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, please contact us at support@balancedbudget.net and we will promptly delete it.
10. Third-Party Links
The Service may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those external sites. We encourage you to review the privacy policies of any third-party sites you visit.
11. International Users
If you access the Service from outside the country where we operate, your information may be transferred to and processed in a country with different data protection laws. By using the Service, you consent to such transfers in accordance with this Privacy Policy.
12. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify users of significant changes through the Service or via email. Continued use of the Service after changes constitutes acceptance of the revised policy.
13. Contact
If you have questions about this Privacy Policy or your data, please contact us at support@balancedbudget.net.