Privacy Policy

Information we collect

• Account information, such as your name, email address, authentication identifiers, household membership, and subscription status.
• Financial information you choose to connect or enter, including account names and balances, transaction data, paycheck information, bills, debts, savings goals, and budget allocations.
• Technical information generated when you use the service, such as authentication, security, and error records needed to operate and protect it.
• Messages, feedback, and support requests you send to us.

How we use information

• Provide paycheck planning, budgeting, account-sync, transaction, goal, and debt features.
• Authenticate users, enforce household access boundaries, prevent abuse, and protect the service.
• Process subscriptions, provide support, diagnose problems, and communicate service-related information.
• Improve reliability and product experience using aggregated or de-identified information where practical.
• Comply with law and enforce our agreements.

Connected financial accounts

Budget Parent uses Plaid to let you connect financial accounts. Plaid receives the information needed to establish and maintain that connection under Plaid's own privacy policy. Budget Parent does not receive or store your bank login credentials.

We receive only the financial data you authorize Plaid to provide. You may disconnect a financial institution through Budget Parent or revoke access through the institution or Plaid where those controls are available.

Service providers and disclosure

We disclose information only as needed to providers that help operate Budget Parent, including providers for authentication, hosting, databases, bank connectivity, billing, email, background jobs, security, and AI-assisted coaching. These providers may process information only for the services they supply to us and under their applicable agreements.

We may also disclose information when required by law, to protect users or the service, in connection with a business transaction, or when you direct or consent to the disclosure. We do not sell personal information.

AI-assisted features

If you use an AI-assisted coaching feature, the information needed to generate that response may be sent to our AI service provider. We limit the information sent to what the feature requires and do not intentionally send bank credentials. Do not include secrets or information unrelated to your budgeting request.

Your choices

• Review and update available account and budget information within the service.
• Disconnect linked financial institutions.
• Request access, correction, export, or deletion of personal information, subject to identity verification and legal exceptions.
• Opt out of non-essential marketing messages using the unsubscribe method provided in the message.

Retention and security

We retain information according to our Data Retention Policy and use administrative, technical, and organizational safeguards described in our Security Policy. No system can guarantee absolute security.

Children, changes, and contact

Budget Parent is not directed to children under 13, and we do not knowingly collect their personal information. We may update this policy as the service changes. Material changes will be communicated through the service or another appropriate channel.

For privacy questions or requests, contact Ali Tooson, CEO, at alitooson@gmail.com.