Privacy Policy

Last updated: September 24, 2025

Information We Collect

Financial Data (Stored Locally on Your Device Only)

• Transaction records (merchant, amount, category, date, description)
• Savings goals and progress tracking
• Budget limits and spending amounts
• Custom categories and family member names
• Imported CSV file data

How We Use Your Information

Financial Data

• Provide the app's core functionality (tracking, goals, budgets)
• Generate spending insights and analytics within the app
• Allow you to export your own data

Data Storage and Security

Local Storage

• All financial data is stored in a SQLite database on your device
• Data remains on your device and is never transmitted to any servers
• Your device's built-in security features protect the data when your device is locked
• Other apps cannot access your Budget Goal Tracker data due to iOS/Android app sandboxing

Device Security Model

Budget Goal Tracker's security relies on your device's built-in security features:

• Your financial data security depends on your device lock screen (PIN, password, biometrics)
• Anyone with physical access to your unlocked device can access your financial data
• We recommend keeping your device locked when not in use
• Consider using your device's app-specific restrictions if available
• The app works like other local storage apps (Photos, Notes) - device security is the primary protection

Information Sharing and Disclosure

We do not collect, sell, rent, or share any personal information. Your financial data never leaves your device.

Service Providers

• Apple App Store / Google Play Store: Provides app distribution and may collect anonymized usage statistics

Legal Requirements

Since we do not collect any personal data, there is no information available to disclose in response to legal requests.

Your Data Rights and Controls

Access and Export

• You can export all your financial data from within the app in JSON format
• You control when and where to save or share your exported data

Data Deletion

• Complete Control: You have full control over your data through the app's settings
• Clear All Data: You can clear all your financial data directly from the Settings screen within the app
• App Uninstall: Uninstalling the app will remove all data from your device
• Immediate Effect: Data deletion is processed immediately and cannot be undone
• Backup Option: The app will offer to export your data before deletion

Our Privacy-First Design Choice

We chose local-only storage specifically to keep your data completely private, which means:

• No user accounts or registration required
• No cloud backups that could be breached
• No server access to your financial information
• Complete user control over data location and sharing
• Security model similar to other trusted local apps (Photos, Notes, Messages)

This design prioritizes privacy over convenience features like cloud sync or multi-device access.

Data Retention

• Financial Data: Remains on your device until you delete the app or manually clear the data

Children's Privacy

Budget Goal Tracker is designed as a general-purpose personal finance management tool suitable for users of all ages. While our app has received a 4+ age rating, indicating it's appropriate for all age groups, we recognize that financial management is typically handled by adults or with adult supervision.

Since we do not collect any personal information, there are no privacy concerns regarding children's data. All information remains on the user's device.

For users under 18, we recommend parental guidance when using financial management applications to ensure appropriate understanding of financial concepts and data privacy practices.

App Store Data Safety

In accordance with app store requirements:

• Data Collection: We do not collect any personal data
• Data Sharing: We do not share any data with third parties
• Data Security: All data stays on your device
• Security Limitations: Financial data protection relies entirely on device-level security
• Physical Access: The app cannot prevent access by someone with physical device access
• User Responsibility: Users should rely on device lock screens and access controls for data protection

Changes to This Privacy Policy

We may update this privacy policy periodically. Changes will be posted on this page with an updated revision date. Your continued use of the app after changes are posted constitutes acceptance of the updated policy.

Contact Information

For inquiries on the privacy policy:

• privacy@budgetgoaltracker.com