Privacy Policy

1. Information We Collect and Use

For a better experience, we may require you to provide certain personally identifiable information, such as your email address. This information is used to operate and improve the Service and is retained as described in this policy.

The app also uses third-party services that may collect information used to identify you. These include:

• Google Play Services
• Google Analytics for Firebase
• Firebase Crashlytics
• Brevo (Your email address is shared with Brevo so we can send you service-related and marketing communications)

2. Bank Syncing

The Budgeting App offers an optional bank syncing feature that allows you to connect your bank accounts so that your transaction and balance data can be imported into the app automatically. When you use bank syncing, you will be asked to give your consent before any data is collected. You can revoke this consent at any time through the app, and no further data will be collected once consent is revoked.

The banking data we receive through this feature may include:

• Account names and balances
• Transaction details (amounts, dates, descriptions, and categories)

This data is used solely to provide you with budgeting and financial tracking features within the app.

The provider we use to connect to your bank depends on your region. The sections below describe how bank syncing works in each supported region.

Australia

In Australia, we provide bank syncing as a CDR Representative of Fiskil Pty Ltd (ABN 89 646 260 728), an accredited data recipient under Australia's Consumer Data Right (CDR) framework. This means Fiskil collects and discloses your banking data on our behalf, using its platform, in accordance with the CDR Rules.

Your banking data is not shared with any third parties beyond Fiskil as described above. When your consent is revoked or expires, your banking data will be handled in accordance with the CDR Rules.

For more information about how Fiskil handles your data, please refer to Fiskil's Privacy Policy.

3. Log Data

If the app experiences an error, we may collect data (through third‑party tools) known as Log Data. This may include your device's IP address, device name, operating system version, app configuration, time and date of use, and other statistics.

4. Error Monitoring and Diagnostics

We use third‑party tools to help us monitor, identify, and fix errors or warnings in the app. These tools may receive limited information related to your account if it is necessary to investigate and resolve an issue.

We only share the minimum amount of data required for error detection and resolution. While we never share your personally identifiable information (such as your name or email address) with these third parties, certain non‑identifiable account‑related identifiers may be shared. These identifiers cannot be used by the third parties to access or obtain your personal information.

All third‑party error monitoring providers are bound by their own privacy and security obligations and cannot use the information for any purpose other than assisting us in diagnosing and fixing issues with the app.

5. Cookies

While we do not explicitly use cookies, the app may use third‑party code or libraries that use cookies to improve their services. You can choose to accept or refuse cookies. Refusing cookies may limit some features of the Service.

6. Data Deletion

You can delete all of your personal data at any time by:

• Using the in‑app "Delete Account" feature; or
• Submitting a delete account request via our form: Delete Account Request form.

Once your request is processed, all associated personal data will be permanently removed from our systems, except where retention is required by law.

If you have used the bank syncing feature, you can revoke your consent at any time through the app. For Australian users, when consent is revoked or expires, your banking data will be handled in accordance with the Consumer Data Right Rules, and Fiskil will be notified so that your data is also removed from their systems.

7. Data Security

We take the security of your data seriously. All personal data is:

• Encrypted in transit when sent between your device and our servers using secure protocols (such as HTTPS/TLS).
• Encrypted at rest when stored on our servers, ensuring it remains protected even if storage systems are accessed without authorisation.

While we use industry‑standard measures to protect your data, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Links to Other Sites

The app may contain links to external sites we do not operate. We are not responsible for their content, policies, or practices, and encourage you to review their privacy policies.

9. Children's Privacy

The Service is not intended for anyone under 13 years old. We do not knowingly collect information from children under 13. If we discover that such data has been provided, we will delete it immediately. Parents or guardians who believe their child has provided personal information should contact us.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted within the app or on our website. Your continued use of the Service after changes are posted means you accept the updated policy.

Effective Date: 2022-10-03 (last updated 2026-03-17)

Contact Us

If you have questions or suggestions about this Privacy Policy, contact us at hello [at] thebudgeting.app.