Privacy Policy

Last Updated: December 19, 2024

SmartBudget (“we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application SmartBudget (the “App”).

Please read this Privacy Policy carefully. By using the App, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

Personal Information You Provide

Account Information

• Email address

• Name (optional)

• Password (encrypted)

Financial Data

• Expense amounts and descriptions

• Merchant names

• Transaction dates

• Budget limits and goals

• Subscription and bill information

• Receipt images (temporary, for processing only)

Information Collected Automatically

• Device type and model

• Operating system and version

• Unique device identifiers

• Usage data (features accessed, time spent)

• Error logs and crash reports

Location Information

• We do NOT collect precise location data

• General location may be inferred from IP address for analytics only

2. How We Use Your Information

We use the collected information to:

• Create and manage your account

• Process and store your financial data

• Enable receipt scanning with OCR and AI

• Provide budget tracking and insights

• Sync data across your devices

• Improve the App and develop new features

• Send important updates and communications

AI Processing

• Process receipt images using OCR

• Parse receipt data using Anthropic’s Claude AI

• Generate financial insights

Important: We do NOT use your data to train AI models. Your financial data is processed only to provide services to you.

3. How We Share Your Information

We do not sell, rent, or trade your personal information.

We share data only with trusted service providers:

Supabase (Database Hosting)

• Stores your account and financial data

• Location: United States

Anthropic (AI Processing)

• Processes receipt text for parsing

• Location: United States

Apple App Store / Google Play Store

• Processes subscription payments

We may also disclose information if required by law, court order, or to protect our rights.

4. Data Storage and Security

Your data is stored on secure servers in the United States.

Security Measures

• Encryption in transit (TLS 1.2+)

• Encryption at rest

• Secure login with encrypted passwords

• Row-level security in database

• Regular security updates

Data Retention

• Account data: Until account deletion

• Receipt images: Deleted immediately after processing

• Backup data: 30 days after deletion

5. Your Rights and Choices

You have the right to:

• Access your personal information

• Update or correct inaccurate data

• Export your data (Premium feature)

• Delete individual expenses or your entire account

• Opt-out of marketing communications

How to Exercise Your Rights

Go to Settings in the App or email support@smartbudget.app

6. California Privacy Rights (CCPA)

If you are a California resident, you have:

• Right to Know what data we collect

• Right to Delete your personal information

• Right to Opt-Out of sale (we do not sell data)

• Right to Non-Discrimination

Email support@smartbudget.app with “California Privacy Rights” in the subject.

7. European Privacy Rights (GDPR)

If you are in the European Economic Area, you have:

• Right of Access

• Right to Rectification

• Right to Erasure (right to be forgotten)

• Right to Data Portability

• Right to Object to processing

Email support@smartbudget.app with “GDPR Request” in the subject.

8. Children’s Privacy

SmartBudget is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe your child has provided us with information, please contact support@smartbudget.app.

9. International Data Transfers

If you are accessing the App from outside the United States, your information will be transferred to, stored, and processed in the United States. By using the App, you consent to this transfer.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the new Privacy Policy in the App

• Sending an email notification

• Displaying an in-app notification

• Updating the “Last Updated” date

11. Contact Us

For questions, concerns, or requests regarding this Privacy Policy:

Email: support@smartbudget.app

Website: www.smartbudget.app

Response Time: We aim to respond within 48 hours

Summary of Key Points

What We Collect: Account information, financial data, device data

How We Use It: Provide services, process receipts with AI, improve the App

How We Share It: Service providers only (Supabase, Anthropic), never sold

Your Rights: Access, update, delete, or export your data

Security: Encrypted in transit and at rest

Questions: support@smartbudget.app

By using SmartBudget, you acknowledge that you have read and understood this Privacy Policy.

Version 1.0

Effective Date: December 19, 2024

© 2024 SmartBudget. All rights reserved.