1. Introduction
Welcome to BudgieAI! Your privacy is critically important to us. This Privacy Policy explains how we collect, use, store, and protect your information when you use our expense tracking application and related services.
By using BudgieAI, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, do not use our Service.
2. Information We Collect
2.1 Information You Provide Directly
- Account Information: When you sign in with Apple, we receive your Apple ID and associated email address
- Expense Data: Trip information, expense details (amounts, categories, descriptions, dates), budget data, and notes you add
- Voice Data: Audio recordings of your voice commands (Premium users only) for AI processing
- Communication: Messages you send us for support or feedback
2.2 Automatically Collected Information
- Device Information: Device model, operating system version, app version, and device identifiers
- Usage Data: Features used, session duration, app performance metrics, and crash reports
- Location Data: Approximate location for currency detection (only when granted permission)
2.3 Information from Third Parties
- Apple Services: Authentication data from Apple Sign In and iCloud backup metadata
- Exchange Rate APIs: Currency conversion rates from financial data providers
- App Store: Subscription and purchase information
3. How We Use Your Information
We use the information we collect for the following purposes:
3.1 Core Service Provision
- Track and categorize your expenses
- Convert currencies using live exchange rates
- Provide AI-powered voice recognition for expense entry
- Generate analytics and insights about your spending
- Backup and sync your data across devices
- Enable collaboration features for shared trips
3.2 Service Improvement
- Analyze usage patterns to improve our features
- Debug issues and monitor app performance
- Develop new features and enhancements
- Train our AI models for better expense recognition
3.3 Communication and Support
- Respond to your support requests
- Send important service announcements
- Provide updates about new features (with consent)
4. Data Sharing and Disclosure
We do not sell, rent, or trade your personal information. We may share your information only in the following limited circumstances:
4.1 Service Providers
We work with trusted third-party service providers who help us operate our service:
- Apple: For authentication, cloud backup, and payment processing
- Exchange Rate Providers: For currency conversion data (no personal data shared)
- Analytics Services: For app performance monitoring (anonymized data only)
4.2 Legal Requirements
We may disclose your information if required by law, legal process, or government request, or to protect our rights, property, or safety.
4.3 Business Transfers
If BudgieAI is acquired by or merged with another company, your information may be transferred as part of that transaction.
4.4 With Your Consent
We may share information for any other purpose with your explicit consent.
5. Data Storage and Security
5.1 Data Storage
- Local Storage: Your expense data is primarily stored locally on your device
- iCloud Backup: Premium users can backup encrypted data to their personal iCloud account
- Geographic Location: Data is stored in secure data centers in the United States
5.2 Security Measures
- End-to-end encryption for data transmission
- Industry-standard encryption for data at rest
- Regular security assessments and updates
- Limited employee access to personal data
- Secure authentication using Apple Sign In
5.3 Data Retention
We retain your information for as long as necessary to provide our services and comply with legal obligations:
- Active accounts: Data retained until account deletion
- Inactive accounts: Data may be deleted after 2 years of inactivity
- Support communications: Retained for 3 years
- Analytics data: Anonymized and aggregated, retained indefinitely
6. Your Privacy Rights and Choices
6.1 Access and Control
You have the following rights regarding your personal information:
- Access: View all your expense data within the app
- Export: Download your data in common formats (CSV, PDF)
- Correction: Edit your expenses and account information
- Deletion: Delete individual expenses or your entire account
6.2 Communication Preferences
- Opt out of promotional communications (where applicable)
- Control push notification settings in your device settings
- Contact us to update your communication preferences
6.3 Location Services
- Grant or revoke location permissions in your device settings
- Location data is used only for currency detection and can be disabled
7. Children's Privacy
BudgieAI is not intended for children under 13 years of age. 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, and we will delete such information from our files.
8. International Data Transfers
Your information may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our Service, you consent to such transfers.
We take appropriate measures to ensure your data receives adequate protection in accordance with this Privacy Policy and applicable laws.
9. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act:
- Right to Know: Request information about the categories and specific pieces of personal information we collect
- Right to Delete: Request deletion of your personal information
- Right to Opt-Out: We do not sell personal information, but you can opt out if this changes
- Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights
To exercise these rights, contact us at budgieaiexpense@gmail.com with "California Privacy Request" in the subject line.
10. European Privacy Rights (GDPR)
If you are in the European Economic Area, you have additional rights under the General Data Protection Regulation:
- Legal Basis: We process your data based on consent, contract performance, and legitimate interests
- Right to Rectification: Request correction of inaccurate personal data
- Right to Erasure: Request deletion of your personal data
- Right to Restrict Processing: Limit how we use your data
- Right to Data Portability: Receive your data in a portable format
- Right to Object: Object to our processing of your personal data
- Right to Withdraw Consent: Withdraw consent at any time
To exercise these rights, contact us at budgieaiexpense@gmail.com. You also have the right to lodge a complaint with your local data protection authority.
11. Voice Data and AI Processing
For Premium users who use our AI voice recognition feature:
- Voice recordings are processed using secure AI services
- Audio data is transmitted encrypted and processed in real-time
- Voice recordings are not permanently stored on our servers
- Transcribed text is retained as part of your expense data
- You can disable voice features at any time in the app settings
12. Cookies and Tracking Technologies
Our mobile app does not use cookies. However, we may use similar technologies such as:
- Analytics SDKs: To understand app usage and performance
- Device Identifiers: To provide consistent service across app sessions
- Local Storage: To save your preferences and expense data
These technologies do not track you across other apps or websites.
13. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any material changes by:
- Posting the new Privacy Policy in the app
- Updating the "Last updated" date at the top of this policy
- Sending a notification through the app (for significant changes)
- Emailing you if we have your contact information (for significant changes)
Your continued use of the Service after changes become effective constitutes acceptance of the revised Privacy Policy.
14. Contact Us
If you have any questions about this Privacy Policy, our data practices, or your privacy rights, please contact us:
Email: budgieaiexpense@gmail.com
Subject Line: Privacy Policy Inquiry
We will respond to your privacy-related inquiries within 30 days of receipt.
15. Data Protection Officer
For significant privacy concerns or GDPR-related requests, you may contact our Data Protection Officer at:
Email: budgieaiexpense@gmail.com
Subject Line: DPO - Privacy Request