Privacy Policy

Last updated: September 3, 2026

BUDJA respects your privacy and is committed to protecting your personal information. This Privacy Policy explains what information BUDJA may collect, how we use it, how it is stored, when it may be shared with service providers, and the choices available to you.

By using the BUDJA application, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Depending on how you use BUDJA, we may process the following information:

Account Information

When you create or use a BUDJA account, we may collect:

• Email address
• Name
• BUDJA account identifier
• Information associated with authentication through Google, if you choose to use Google Sign-In

For accounts created using email and password, your password is processed for authentication and is stored on our servers only in a securely hashed form. We do not store your password in plain text.

Financial Information

BUDJA allows you to enter information about your personal finances. This may include:

• Income and expense amounts
• Currency
• Expense and income categories
• Payment information
• Financial goals
• Loan and debt information
• Credit card-related information that you choose to enter
• Bank or card names or labels that you choose to enter
• Dates and payment frequencies
• Financial comments and descriptions
• Information about money you owe or money owed to you

BUDJA does not require or collect actual bank account credentials, card numbers, CVV/CVC codes, IBANs, passwords to financial institutions, or similar payment credentials.

User Content

Information you voluntarily enter into BUDJA, such as comments, custom names, descriptions, or names of people associated with a financial record, may be processed as part of providing the application's features.

Subscription and Purchase Information

If you purchase a BUDJA subscription or use a promotional code, we may process information necessary to provide and manage your subscription, such as subscription status, product information, transaction identifiers, purchase dates, and related subscription information.

Payments for subscriptions made through the App Store are processed by Apple. BUDJA does not receive or store your Apple payment card details.

2. Information We Do Not Collect

BUDJA does not use advertising or behavioral tracking technologies.

We do not intentionally collect:

• Precise location information
• Contacts
• Photos or camera content for financial functionality
• Advertising identifiers for tracking
• Browsing history
• Cross-app tracking information
• Analytics data for advertising or behavioral profiling

BUDJA does not sell your personal information.

3. How We Use Information

We use information to:

• Create and maintain your BUDJA account
• Authenticate you and protect your account
• Provide financial management features
• Store and synchronize your financial information
• Display your financial records, payments, goals, and statistics
• Process and manage subscriptions
• Verify email addresses
• Assist with password recovery
• Respond to support requests
• Maintain and improve the security and reliability of BUDJA
• Prevent fraud, abuse, and misuse of the service
• Comply with applicable legal obligations

We do not use your financial information for advertising or sell it to advertisers.

4. Where Your Information Is Stored

Some information is stored locally on your device so that BUDJA can provide its features.

When you use an account and synchronization features, account and financial information may also be stored on BUDJA's servers.

Authentication information stored locally on your iOS device, such as your session authentication token, is stored using Apple's Keychain technology.

We take reasonable technical and organizational measures designed to protect information against unauthorized access, loss, misuse, or alteration.

5. Security

BUDJA uses reasonable security measures to protect your information.

These measures include encrypted HTTPS connections when information is transmitted between the application and BUDJA's servers.

Passwords associated with email/password accounts are stored on our servers in hashed form using password-hashing technology. Passwords are not stored in plain text.

However, no method of transmitting or storing information can be guaranteed to be completely secure. We cannot guarantee absolute security of your information.

6. Third-Party Services

BUDJA uses a limited number of third-party services to provide specific functionality.

Google Sign-In

If you choose to sign in using Google, BUDJA uses Google's authentication services to authenticate your account.

Information received through Google Sign-In may include information such as your Google account identifier, email address, and name, depending on the information provided by Google and your account settings.

Google processes information according to its own privacy practices.

Resend

BUDJA uses Resend as an email delivery provider to send certain service-related emails, such as email verification and password-reset messages.

Your email address may be provided to Resend for the purpose of delivering these emails.

Frankfurter

BUDJA may use the Frankfurter service to obtain foreign-exchange rates used for currency conversion features.

Currency-rate requests are made using currency information and do not intentionally include your BUDJA account information, financial records, or other personal information.

Apple

Subscriptions purchased through the Apple App Store are processed through Apple's App Store and StoreKit services.

Apple may process purchase and payment information according to Apple's own terms and privacy practices.

BUDJA does not receive or store your payment card information used for App Store purchases.

7. Data Retention

We retain account and financial information for as long as necessary to provide BUDJA's services and maintain your account.

If you delete your account, the account and associated user data are deleted from BUDJA's active systems as described in the Account Deletion section below.

Certain limited information may be retained for a limited period when necessary for security, fraud prevention, legal compliance, or to prevent abuse of BUDJA's services.

Temporary authentication, verification, or password-reset information may also remain for a limited period until it expires or is automatically removed.

8. Account Deletion

You can delete your BUDJA account directly from the application.

To delete your account, go to:

Settings → Account → Delete Account

Account deletion is permanent and cannot be undone.

When you delete your account, BUDJA deletes your account and associated information from its active systems, including financial records, payments, goals, and related account data.

Local BUDJA data stored on your device is also removed as part of the account deletion process.

Some limited information may be retained for a limited period where necessary for security, fraud prevention, legal obligations, or prevention of abuse.

9. Your Choices

You may:

• Access and manage information stored in your BUDJA account through the application.
• Update certain account information through the application.
• Delete your BUDJA account through the application's account settings.
• Contact us with questions or requests concerning your personal information.

Deleting your account does not restore or recover previously deleted information.

10. Children's Privacy

BUDJA is not directed toward children.

We do not knowingly collect personal information from children where such collection is prohibited by applicable law.

If you believe that a child has provided personal information to BUDJA without appropriate authorization, please contact us at the address below.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to BUDJA, our services, or applicable legal requirements.

When we make changes, we will update the "Last updated" date at the top of this Privacy Policy.

We encourage you to review this page periodically for the latest information about our privacy practices.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or the privacy of your information, please contact us:

Email: support@budja.app

BUDJA
This Privacy Policy applies to the BUDJA mobile application and related BUDJA services.

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