Privacy Policy – Budgyo

1. Introduction

Budgyo ("we", "our", "us") is a personal budgeting application operated by [Your Legal Entity Name], registered in the United Kingdom. We respect your privacy and are committed to protecting your personal data.

This Privacy Policy explains how and why we collect, use, share, and protect information when you use the Budgyo mobile application (the "App") and associated cloud services, including budgeting data you upload to our cloud storage.

2. Data Controller

For the purposes of the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018, the data controller is:

Budgyo

Email: support@budgyo.app

3. Information We Collect

3.1 Data You Provide

When you enable cloud backup or syncing, we collect and store the following personal and financial information:

Financial and budgeting data

• Transaction amounts
• Transaction dates
• Category identifiers
• Budget and savings data

Sensitive content

• Transaction descriptions
• Savings goal names
• Custom category names
• Display name
• Monthly income and preferences

3.2 Technical and Diagnostic Data

We may collect non-personal technical data automatically, such as device model, operating system version, crash reports, and app performance metrics if diagnostic reporting is enabled. This data does not identify you personally and is used to improve the App.

4. How We Use Personal Data

We use your personal data for the following purposes:

• To provide, operate and maintain the App and cloud services
• To process and store financial data securely
• To encrypt sensitive fields before storage and decrypt them when needed
• To improve App functionality and user experience
• To respond to support requests and manage your account

Lawful basis for processing (UK GDPR):

• Performance of a contract with you
• Legitimate interests, such as improving our services and security
• Consent, where required for certain processing activities

5. Data Storage and Security

5.1 Local Device

Your data may be stored locally on your device. Local storage remains private to you unless you choose cloud backup.

5.2 Cloud Storage

If you choose to enable cloud backup, data is transmitted securely using encrypted communications (HTTPS) and stored on secure servers hosted by third-party providers.

Encryption:

Sensitive textual fields (e.g., descriptions, names) are encrypted at rest before storage. Other fields necessary for system functionality (e.g., dates, numeric amounts) may remain unencrypted.

We implement appropriate technical and organisational measures to protect data, including encryption at rest, access controls, and regular security reviews.

6. Sharing Your Personal Data

We do not sell your personal information.

We may share data with:

• Cloud hosting providers for storage (e.g., AWS, Google Cloud)
• Service providers assisting with App infrastructure or support

These third parties are contractually required to protect your data and process it only on our instructions.

7. Data Retention

We retain personal data for as long as necessary to provide the App and cloud services, comply with legal obligations, and resolve disputes. You may request deletion of your account and associated data at any time.

8. International Transfers

Your data may be transferred to, and stored in, countries outside the UK. Where data is transferred internationally, we ensure appropriate safeguards (e.g., Standard Contractual Clauses) are in place to protect your personal data in accordance with UK GDPR requirements.

9. Your Rights

Under UK GDPR, you have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion ("right to be forgotten")
• Restrict or object to processing
• Request data portability
• Withdraw consent where processing is based on consent

To exercise these rights or for any privacy-related enquiries, please contact us at: support@budgyo.app

You also have the right to lodge a complaint with the UK Information Commissioner's Office (ICO) if you believe we are unlawfully processing your personal data.

10. Children's Privacy

Budgyo is not intended for children under 13 (or under 16 in the UK/EU). We do not knowingly collect personal data from children under these ages.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on this page and update the "Last Updated" date.

12. Contact Us

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

Email: support@budgyo.app