Privacy Policy

1. Introduction

BudgetBloom, LLC ("we," "us," or "our") operates the BudgetBloom application and website at budgetbloom.app. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service. We are committed to protecting your personal and financial data. Please read this policy carefully. By using BudgetBloom, you consent to the practices described in this policy.

2. Information We Collect

We collect information in the following ways:

2.1 Information You Provide

• Account information: Name, email address, and password when you create an account
• Profile information: Any additional details you add to your profile
• Financial data: Budget categories, spending goals, and manually entered transactions
• Communications: Information you provide when contacting our support team

2.2 Information Collected Through Third-Party Services

• Financial account data: When you connect financial accounts through Plaid, we receive account balances, transaction history, and account metadata. We do not receive or store your bank login credentials.
• Payment information: When you subscribe to a paid plan, payment processing is handled by Stripe. We do not store your full credit card number.

2.3 Information Collected Automatically

• Usage data: Pages visited, features used, and actions taken within the Service
• Device information: Browser type, operating system, and device identifiers
• Log data: IP address, access times, and referring URLs

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the Service
• Process transactions and manage your subscription
• Sync and display your financial account data, balances, and transactions
• Generate budgets, reports, and financial insights based on your data
• Send you service-related communications, including account verification, billing notices, and security alerts
• Respond to your comments, questions, and support requests
• Monitor and analyze usage trends to improve the Service
• Detect, prevent, and address technical issues, fraud, and security concerns

4. How We Share Your Information

We do not sell your personal or financial information. We may share your information in the following circumstances:

• Service providers: We share data with third-party vendors who assist in operating the Service, including Plaid (financial data aggregation), Stripe (payment processing), and cloud hosting providers. These providers are contractually obligated to protect your data.
• Legal requirements: We may disclose your information if required by law, regulation, legal process, or governmental request.
• Business transfers: If BudgetBloom, LLC is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
• With your consent: We may share information for other purposes with your explicit consent.

5. Data Security

We implement industry-standard security measures to protect your personal and financial information. These measures include encryption of data in transit (TLS) and at rest, secure server infrastructure, regular security assessments, and access controls limiting employee access to user data. While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your data.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to operate and improve the Service. These include:

• Essential cookies: Required for authentication, session management, and core functionality
• Analytics cookies: Help us understand how users interact with the Service so we can improve it

You can control cookie preferences through your browser settings. Disabling essential cookies may affect the functionality of the Service.

7. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you
• Correction: Request that we correct inaccurate or incomplete data
• Deletion: Request that we delete your personal data, subject to legal retention requirements
• Portability: Request an export of your data in a machine-readable format
• Opt-out: Unsubscribe from marketing communications at any time
• Disconnect accounts: Remove connected financial accounts through your account settings at any time

To exercise any of these rights, contact us at contact@budgetbloom.com. We will respond to your request within 30 days.

8. Data Retention

We retain your personal and financial data 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 data within 30 days, except where retention is required for legal, accounting, or regulatory purposes. Transaction data synced from connected financial institutions is retained for the duration of your account to provide historical reporting and budgeting features.

9. Children's Privacy

The Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child without parental consent, we will take steps to delete that information promptly.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. We take appropriate safeguards to ensure that your personal data remains protected in accordance with this Privacy Policy.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically. Your continued use of the Service after changes are posted constitutes your acceptance of the updated policy.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: