Privacy Policy

BudgetTrace is a private budget tracker. This policy explains what the app and this website collect, why, and what we do not collect.

The short version

• Your budget (accounts, transactions, categories, bills, goals and the rest) is saved to your account on our server, so it follows you to a new phone.
• No advertising, no analytics or tracking tools, no bank connection, and we never sell your data.
• We use your data only to run the app for you and keep it secure.

What we store

• Account details. Your email address and password (stored only as a one-way hash, never in plain text), your name and gender, and optional details such as a username or phone number.
• Your budget. What you enter: accounts and balances, transactions with their amounts, dates, categories and notes, budgets, bills and subscriptions, goals, debts, trips and the settings you choose.
• People you add. If you split a bill or track a debt, the name and, if you give it, the email address of that person.
• Sign-in and security information. Your active sessions, including the date, your device's app identifier and IP address, and your last sign-in time. We use this to keep your account secure and to let you see and end sessions.
• Two-factor authentication details, only if you turn it on (a secret used to check your codes, and backup codes stored as hashes).

Emails we send

If you choose to email a split bill or a payment reminder, we send that email, containing the amount and a link to the bill, to the address you entered. We also send account emails such as password resets. We use an email delivery provider to do this.

Voice entry

If you tap "Speak it" when adding an expense, the app asks for microphone and speech recognition permission and uses your phone's speech recognition (Apple's on iPhone, Google's on Android). Depending on your device and language, your audio may be sent to Apple or Google to be turned into text. We do not receive or keep the audio; only the text it becomes is placed in the form for you to check.

Receipts and photos (Premium)

If you scan or attach a receipt, the photo or PDF you choose is uploaded to our storage provider and kept with that entry so you can view it later. The app asks for camera or photo access only when you use this. Files you pick but never save to an entry may remain in storage until we remove them.

AI features (Premium)

When you ask the AI to read a receipt or write a summary, the receipt file or the relevant text from your budget is sent to our AI provider to produce the answer. Nothing is saved from an AI answer until you confirm it. We use the provider only to answer your request.

Purchases

Subscriptions and credit packs are bought through the App Store or Google Play, and managed with RevenueCat. We receive your plan status and purchase events (such as renewals and cancellations), not your payment card details.

Your phone

The app can lock behind Face ID or your fingerprint. That check happens on your device; we never receive your biometric data. Your device backup, such as iCloud, may include the app's local settings under your own Apple or Google account.

Sharing

We do not sell or share your personal information for advertising. Our server, hosting, storage, email, AI and purchase providers process data only to provide the service, and we may disclose information if the law requires it.

Your choices and deleting your account

You can edit your profile, change your password and end sessions in the app. When you delete an entry it is hidden from you straight away. To delete your account, use Settings > Delete account in the app. Your account is switched off and you are signed out everywhere. After 30 days all of your data (your details, accounts, transactions, budgets, goals and everything else you entered) is deleted from our live system and a copy is kept in a private archive that is not used for anything else. Receipt files you attached stay with our storage provider, referenced only from that archive. You can then register again with the same email. To have the archive erased, email [email protected] from the address on the account.

Retention and security

We keep your data in our live system while your account exists. Connections to our server use HTTPS. No system is perfectly secure, so please use a strong, unique password and turn on two-factor authentication.

This website

This website does not use advertising or tracking cookies. Your theme choice (light or dark) is remembered in your own browser. Our hosting provider may keep standard server logs, such as IP address and requested page, for security and operations.

Children

The app is not directed at children under 13 and we do not knowingly collect their information.

Changes

If this policy changes we will update the date above and, for meaningful changes, note it in the app's release notes.

Contact

Questions about privacy: [email protected].