1. Overview

Budgeteer LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the rights you have regarding your data. This policy applies to the Budgeteer web application and any related services (collectively, the "Service").

Because Budgeteer is a California-based business and serves California residents, this policy is written to comply with the California Consumer Privacy Act (CCPA) and its amendment, the California Privacy Rights Act (CPRA).

2. Information We Collect

2.1 Information You Provide

We collect information you provide directly when you register, set up your account, or use the Service:

Name and email address
Password (stored in hashed, non-readable form)
Financial data you enter or import, including income, expenses, account balances, and budget categories
Payment information for subscription billing (processed by our payment processor; we do not store full card numbers)
Any communications you send us, including support requests

2.2 Information Collected Automatically

When you use the Service, we automatically collect certain technical information:

IP address and general geographic location
Browser type, operating system, and device information
Pages visited, features used, and actions taken within the Service
Date and time of access
Referral URLs

2.3 Cookies and Similar Technologies

We use cookies and similar tracking technologies to maintain session state, remember preferences, and analyze usage patterns. You may disable cookies through your browser settings, though this may affect Service functionality. We do not use cookies for cross-site advertising.

3. How We Use Your Information

We use the information we collect to:

Provide, operate, and maintain the Service
Process subscription payments and manage your account
Respond to your questions, requests, and support needs
Send transactional emails such as receipts, password resets, and account notifications
Monitor and analyze usage to improve the Service
Detect, investigate, and prevent fraud or abuse
Comply with applicable legal obligations

We do not sell your personal information. We do not use your financial data for advertising purposes. We do not share your data with third parties for their own marketing.

4. How We Use AI in the Service

Budgeteer uses artificial intelligence (AI) in a handful of places where it saves you typing or clicking: reading receipts, matching imported transactions to merchants you already know, spotting unusual spending, clustering duplicate payee names, suggesting which transactions might explain a reconciliation gap, projecting savings goal and debt payoff dates, and writing a short monthly summary. This section describes exactly what is and isn't sent to AI providers.

4.1 AI providers we use

We use third-party AI providers, currently Anthropic (Claude) and Google (Gemini), to process AI requests. Each request is sent over an encrypted connection (TLS). These providers are contractually bound by their API terms not to use your request data to train their models.

4.2 What is sent to an AI provider

Only the minimum data needed for the feature you're using:

Receipt scanning. The receipt image you choose to scan, plus the list of payee names you already have, so the merchant on the receipt can be matched to an existing payee. We do not send account numbers or balances.
Merchant-name matching on imports. When an imported transaction's payee name is close to one you already have (for example "AMZN MKTP US*2K4R" vs. "Amazon.com"), we send just those two payee names and ask the AI whether they refer to the same merchant. No amounts, no dates, no category list.
Anomaly detection. Up to 200 of your most recent transactions from the last 30 days (each with the date, merchant name, amount, type, and category), plus per-merchant averages from the prior 6 months. No account numbers, no balances, no personal contact information.
Payee de-duplication. Your payee names only, so similar variants like "AMZ Mktp" and "Amazon.com" can be clustered. No transaction or balance data.
Reconciliation suggestions. When the account balance you entered doesn't match the bank's, we send up to 50 uncleared transactions for that account (date, merchant, amount), the dollar difference, the statement date, and the account's display name. We do not send account or routing numbers.
Savings and debt payoff projections. For each savings goal: the category name, its current balance, target amount, target date, and your recent average contribution. For each debt: the account's display name, balance, interest rate, and monthly payment. We do not send account or routing numbers.
Monthly summary. Aggregated category totals and percentage changes only. We do not send raw transactions, merchant names, or individual account balances.

4.3 What is never sent to an AI provider

Your name, email address, mailing address, or phone number
Your bank account numbers or routing numbers
Any other field that personally identifies you to the AI provider

4.4 Training and retention

Our AI providers' API terms prohibit using your requests to train their models. We do not store the content of AI requests on our servers beyond the time needed to handle the response. Our usage logs record only metadata (which feature was used, which model, token counts, and cost), not the prompt or response content. AI providers may retain requests on their side for a short period to monitor for abuse, as described in their own terms.

5. How We Share Your Information

We may share your information in the following limited circumstances:

5.1 Service Providers

We work with third-party vendors who help us operate the Service, including payment processors, cloud hosting providers, and analytics services. These vendors are contractually bound to use your information only as directed by us and in accordance with this policy.

5.2 Legal Requirements

We may disclose your information if required to do so by law, court order, or government authority, or if we believe disclosure is necessary to protect the rights, property, or safety of the Company, our users, or the public.

5.3 Business Transfers

If Budgeteer LLC is acquired, merged, or transferred to another entity, your information may be transferred as part of that transaction. We will notify you in advance and your rights under this policy will continue to apply.

6. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the following rights with respect to your personal information:

6.1 Right to Know

You have the right to request disclosure of the categories and specific pieces of personal information we have collected about you, the sources from which we collected it, the purposes for which we use it, and the categories of third parties with whom we share it.

6.2 Right to Delete

You have the right to request that we delete personal information we have collected from you, subject to certain exceptions (such as information we are required to retain by law).

6.3 Right to Correct

You have the right to request correction of inaccurate personal information we hold about you.

6.4 Right to Opt Out of Sale or Sharing

We do not sell your personal information, and we do not share it for cross-context behavioral advertising. You have nothing to opt out of in this regard, but you may contact us to confirm this at any time.

6.5 Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. We will not deny you services, charge you different prices, or provide a lower quality of service because you exercised your rights.

6.6 How to Submit a Request

To exercise your rights, send us a message through our support page . We will verify your identity before processing your request. We will respond within 45 days as required by California law. If we need more time, we will notify you.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. If you delete your account, we will delete or anonymize your personal information within 30 days, except where we are required to retain it for legal or compliance purposes.

8. Data Security

We implement industry-standard security measures to protect your information, including encryption in transit (TLS), encrypted storage of sensitive data, access controls, and regular security reviews. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

You are responsible for maintaining the confidentiality of your account credentials. If you suspect unauthorized access, notify us immediately through our support page .

9. Children's Privacy

The Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have inadvertently collected information from a minor, we will delete it promptly. If you believe we have collected information from a minor, please reach out through our support page .

10. Third-Party Links

The Service may contain links to third-party websites or integrations. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing any personal information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by email or through the Service at least 30 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the revised policy.

12. Contact Us

If you have questions, requests, or concerns about this Privacy Policy or our data practices, reach out through our support page .

Budgeteer LLC
Ventura, California