BudgetWiseZero Data CollectionPrivacy Policy

BudgetWise ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application BudgetWise (the "App").

1. Information We Collect

1.1 Personal Information

We may collect the following types of personal information:

• Financial Data: Transaction amounts, categories, notes, and dates
• Account Information: Bank account names or identifiers you choose to store
• Category Information: Custom expense and income categories you create
• Budget Information: Budget amounts, periods, and spending limits
• User Preferences: Currency settings, theme preferences, and app configuration

1.2 Device Information

• Device model and operating system version
• App usage statistics and crash reports
• Unique device identifiers for app functionality

1.3 Local Storage Only - No Data Collection

Important: BudgetWise stores all your financial data locally on your device only. We do not collect, transmit, or store your personal financial information on our servers.

2. How We Use Your Information

We use the collected information for the following purposes:

• App Functionality: To provide core budgeting and expense tracking features
• Data Analysis: To calculate spending summaries, budgets, and financial insights (all processed locally)
• User Experience: To customize the app interface and remember your preferences
• App Improvement: To analyze usage patterns and improve app performance (aggregated data only)

3. Information Sharing and Disclosure

3.1 No Third-Party Sharing

BudgetWise does not share, sell, or disclose your personal financial information to third parties, except in the following limited circumstances:

• With your explicit consent
• To comply with legal obligations or court orders
• To protect our rights, property, or safety

3.2 Service Providers

We may use third-party service providers for:

• App analytics (aggregated, anonymized data only)
• Crash reporting and performance monitoring
• Cloud backup services (if you choose to enable them)

4. Data Security

4.1 Local Storage Security

All financial data is stored locally on your device using encrypted storage mechanisms provided by the Android operating system.

4.2 No Server Storage

BudgetWise does not maintain servers or databases containing your personal financial information. There are no external systems, cloud services, or remote databases where your data could be stored or accessed.

4.3 Data Encryption

All sensitive data stored locally is encrypted using industry-standard encryption methods provided by your device's operating system.

5. User Rights and Controls

5.1 Access and Control

You have complete control over your data:

• Data Access: All your financial data is accessible only on your device
• Data Export: You can export your data in standard formats
• Data Deletion: You can delete all app data through device settings

5.2 Data Portability

You can export your financial data at any time for backup or migration purposes.

5.3 Account Deletion

Since no account registration is required, you can simply uninstall the app to remove all associated data.

6. Children's Privacy

BudgetWise is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

7. 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 in the app and updating the "Last Updated" date at the top of this policy.

8. International Data Transfers

Since all data is stored locally on your device, no international data transfers occur.

9. Data Retention

9.1 Local Data Retention

Your financial data is retained on your device until you:

• Delete the app data through device settings
• Uninstall the application
• Reset your device to factory settings

9.2 No Server Retention

We do not retain any of your personal financial information on our servers.

10. Contact Us

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

11. California Privacy Rights

If you are a California resident, you have certain rights under the California Consumer Privacy Act (CCPA). However, since BudgetWise does not collect or sell personal information as defined by CCPA, these rights may not apply.

12. GDPR Compliance (for EU Users)

For users in the European Union, BudgetWise complies with the General Data Protection Regulation (GDPR):

• Lawful Basis: We process data based on your consent and legitimate interests
• Data Controller: No external data controller exists as data is stored locally
• User Rights: You retain all rights over your locally stored data