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Privacy Policy

Last updated: 2026-05-20

This Privacy Policy describes how [YOUR LEGAL ENTITY NAME](“we,” “us,” “our”) collects, uses, shares, and protects your personal information when you use myFamilyBudgetTracker (the “Service”). By using the Service you consent to the practices described here.

1. Information We Collect

Information you provide

  • Account information — username, display name, email address (used for password reset and notifications), and your hashed password.
  • Household and budget data — household members you invite, budget items, monthly budgets, savings goals, income sources, and payment templates that you create.
  • Bank statements you upload — we extract transactions (date, description, amount, category) and store them in your account. We do not request or store online-banking credentials.
  • AI provider configuration— if you use the Pro tier with your own AI key (“BYOK”), your API key is stored encrypted at rest and used solely to authorize AI requests you initiate.
  • Payment information — handled entirely by Paddle. We do not store credit card numbers, bank account numbers, or other payment instrument details. We receive subscription status and customer ID from Paddle.

Information collected automatically

  • Log and device data — IP address, browser type, operating system, timestamps, and pages visited. Used for security, debugging, and rate limiting.
  • Usage data — features you use, frequency of use, and (for Family/Premium subscribers) counts of managed AI requests made in the current billing period.

2. How We Use Your Information

  • To provide, maintain, and improve the Service.
  • To process subscriptions, manage entitlements, and handle billing through Paddle.
  • To send transactional emails (e.g., password resets, monthly reports, bill reminders, billing notices).
  • To detect, prevent, and respond to abuse, fraud, and security incidents.
  • To comply with legal obligations.
  • With your consent, for any other purpose disclosed at the time of collection.

We do not sell your personal information. We do not use Your Content (your budgets, transactions, financial data) to train AI models.

3. AI Processing

When you use AI features (statement parsing, categorization, monthly reports), the relevant transaction descriptions and amounts are transmitted to the AI provider you have configured (Pro tier) or to our managed AI provider (Family/Premium tier) over HTTPS, solely to fulfill your request:

  • Pro / BYOK — data is sent to the provider whose key you have configured (e.g., Anthropic, OpenAI, DeepSeek). Their privacy policy and data-handling apply to that transmission.
  • Family / Premium / Managed — data is sent to the provider we operate (currently DeepSeek). We do not retain prompts or responses beyond what is necessary to return results to you.

4. How We Share Information

We share personal information only as described below:

  • Service providers — Paddle (payments), Resend (transactional email), Railway (application hosting), Vercel (web hosting), our chosen AI provider (categorization), each under contracts that limit their use of your data to providing services to us.
  • Household members — data shared within your household (budgets, transactions, goals) is visible to other members you invite. Members have role-based access (owner, editor, viewer).
  • Legal compliance — when required by law, court order, or to protect our rights, users, or the public.
  • Business transfers — in connection with a merger, acquisition, or sale of assets, with notice to you.

5. Your Rights

Depending on where you live, you may have rights under U.S. state privacy laws (including the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), Virginia CDPA, Colorado CPA, and others), or other laws. These may include the right to:

  • Access the personal information we hold about you.
  • Correct inaccurate personal information.
  • Delete your personal information, subject to lawful exceptions.
  • Portability — receive a copy of your data in a portable format.
  • Opt out of sale or sharing for cross-context behavioral advertising (we do not sell or share for this purpose).
  • Non-discrimination for exercising your rights.

To exercise any of these rights, email support@myfamilybudgettracker.com from the email address on your account. We will respond within the timeframe required by applicable law (generally 45 days).

6. Data Retention

We retain your account and budget data for as long as your account is active. After you delete your account, we delete your personal information within 30 days, except where we are required to retain it longer (e.g., for tax, fraud-prevention, or legal-compliance purposes). Backup copies may persist for up to 90 additional days before being overwritten.

7. Security

We maintain administrative, technical, and physical safeguards designed to protect your information, including HTTPS in transit, hashed passwords, encryption at rest for sensitive fields (such as AI API keys), rate limiting, role-based access within households, and household-scoped data isolation. No method of transmission or storage is 100% secure, however; we cannot guarantee absolute security.

8. Children

The Service is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided us with personal information, please contact us and we will delete it.

9. International Users

The Service is operated from the United States. If you access the Service from outside the U.S., your information will be transferred to and processed in the U.S., where data-protection laws may differ from those in your country.

10. Cookies & Local Storage

We use browser local storage and minimal cookies for session management (storing your authentication token) and to remember your preferences (e.g., currency display). We do not use third-party advertising or analytics cookies. Paddle’s checkout may set its own cookies — see their privacy policy.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be notified to you by email or in-app notice. The “Last updated” date at the top will reflect the most recent revision.

12. Contact

Questions or requests related to your privacy? Visit our Contact page or email support@myfamilybudgettracker.com.