Budget Ninja
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Privacy Policy

Last Updated: 14 Jan 2026

Budget Ninja (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and web service (collectively, the “Service”).

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the Service.

Summary (TL;DR)

What we collect:

  • Email address and password (for your account)
  • Budget data (income, expenses, notes)
  • Device info and usage data (to improve the app)

What we DON'T collect:

  • Bank account or payment information
  • Location data
  • Contacts or photos
  • Tracking across other apps

We do NOT:

  • Sell your data
  • Share with advertisers
  • Track you across apps
  • Send marketing emails

1. Information We Collect

1.1 Personal Information

We collect personal information that you voluntarily provide when you register for an account or use the Service:

  • Account Information: Email address, password (encrypted), and optional name
  • Financial Data: Budget information, income, expenses, planned amounts, notes, and category templates
  • Usage Data: Device information, app version, feature usage patterns, and error logs

1.2 Information Automatically Collected

When you access the Service, we automatically collect:

  • Device type and operating system version
  • IP address and browser type
  • App crashes and error logs
  • Performance metrics

2. How We Use Your Information

We use your information to:

  • Provide and maintain the Service
  • Create and manage your account
  • Store and sync your budget data across devices
  • Enable budget collaboration features
  • Improve the Service and fix bugs
  • Provide customer support
  • Protect against security threats and fraud
  • Comply with legal obligations

3. How We Share Your Information

We do NOT sell, rent, or trade your personal information to third parties.

We may share your information only in these limited circumstances:

  • With Your Consent: When you explicitly share a budget with another user
  • Service Providers: Trusted providers who help us operate the Service (hosting, analytics)
  • Legal Requirements: When required by law or to protect our rights
  • Business Transfers: If Budget Ninja is acquired or merged

4. Data Security

We implement industry-standard security measures to protect your data:

  • Encryption in Transit: All data transmitted using TLS 1.3
  • Encryption at Rest: Your data is encrypted in our database
  • Password Security: All passwords are hashed using bcrypt
  • Access Controls: Strict limits on who can access your data
  • Biometric Authentication: Optional Face ID/Touch ID/Fingerprint (data never leaves your device)

Important: While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

5. Data Retention and Deletion

We retain your information for as long as your account is active. When you delete your account:

  • All your personal data is permanently deleted within 30 days
  • Budget data you created is permanently deleted
  • Shared budgets you own are deleted
  • Backups are purged within 90 days

6. Your Privacy Rights

You have the following rights regarding your personal data:

  • Access: Request a copy of your personal data
  • Correction: Update or correct your information (Settings → Account)
  • Deletion: Request deletion of your data (Settings → Account → Delete Account)
  • Portability: Export your data (Settings → Data Management → Export CSV)
  • Objection: Object to processing of your data
  • Complaint: Lodge a complaint with a data protection authority

7. Children's Privacy

Budget Ninja is not intended for children under 13 (or 16 in the EU). We do not knowingly collect information from children. If we learn we have collected information from a child, we will delete it immediately.

8. International Data Transfers

Budget Ninja is operated from the United States. If you are located outside the United States, your information will be transferred to and processed in the United States. By using the Service, you consent to this transfer.

For EU/EEA Users: We comply with GDPR and use appropriate safeguards for international data transfers.

9. California Privacy Rights (CCPA)

California residents have additional rights under the CCPA:

  • Right to know what personal information we collect
  • Right to delete your personal information
  • Right to opt-out of sale (we don't sell your data)
  • Right to non-discrimination

10. European Privacy Rights (GDPR)

EEA residents have rights under GDPR including:

  • Right to access, rectification, and erasure
  • Right to restriction and portability
  • Right to object and withdraw consent
  • Right to lodge a complaint with a supervisory authority

11. Third-Party Services

We use the following third-party services:

  • Vercel: Web hosting
  • Neon: Database hosting
  • Upstash: Redis for rate limiting
  • Resend: Transactional emails (verification, password reset)

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will:

  • Update the “Last Updated” date
  • Notify you of material changes via email or in-app notification
  • Post a prominent notice on our website

Continued use of the Service after changes constitutes acceptance.

13. Contact Us

If you have questions or concerns about this Privacy Policy:

Email: [email protected]

Instagram: @budgetninjaco

Website: https://budgetninja.co

Response Time: We aim to respond within 30 days

14. Consent

By using Budget Ninja, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.