Privacy Policy

Last updated: March 2, 2026

Your privacy is important to us. This Privacy Policy explains how BudgetPal: Money Manager ("we", "our", or "the app") handles your information. BudgetPal is a personal budget and money management app designed to help you track your expenses, income, and financial goals.

Information You Provide

BudgetPal does not require you to create an account, provide your name, email address, phone number, or any other personally identifiable information.

The financial data the app stores is information you voluntarily enter, including:

• Transaction records (amounts, dates, notes)
• Account names and balances
• Category and budget configurations
• Images you attach to transactions
• Your app preferences (theme, currency, language, display settings)

Information Collected Automatically

The app uses third-party services for advertising, analytics, and crash reporting that automatically collect certain data. See the "Third-Party Services" section below for details.

How Your Financial Data Is Stored

All your financial data is stored locally on your device in a private database. Your financial information never leaves your device.

Because all data is stored locally:

• If you uninstall the app, all your data will be permanently deleted.
• If your device is lost or reset, your data cannot be recovered.
• You are responsible for maintaining backups of your device to prevent data loss.

In-App Purchases & Subscriptions

BudgetPal offers an optional Pro upgrade through in-app purchase. Purchases are processed entirely by the Apple App Store or Google Play Store. We do not collect or store any payment information such as credit card numbers or billing addresses.

Purchase history and subscription status are managed by RevenueCat, a third-party subscription management service. RevenueCat may receive an anonymous app user ID and purchase transaction data to manage your subscription status. For more details, please refer to RevenueCat's Privacy Policy.

Advertising (Free Version)

The free version of BudgetPal displays advertisements served by Google AdMob. If you have upgraded to BudgetPal Pro, ads are completely disabled and AdMob is not initialized.

To serve and measure ads, Google AdMob may collect:

• Advertising identifier - the Advertising ID (IDFA on iOS, Google Advertising ID on Android) assigned to your device, used to deliver relevant ads and measure ad effectiveness.
• Device information - device model, OS version, language, and time zone.
• IP address - used to derive your approximate location and for fraud prevention purposes.
• Ad interaction data - records of ad impressions and clicks.

You can opt out of personalized advertising at any time through your device settings:

• iOS: Settings > Privacy & Security > Tracking
• Android: Settings > Google > Ads > Delete advertising ID

For more information, see Google's Privacy Policy.

Analytics

BudgetPal uses Firebase Analytics (by Google) to understand how the app is used and to improve its features. Firebase Analytics may collect:

• App instance ID - a randomly generated identifier for your app installation, not linked to your personal identity.
• Device and system information - device model, OS version, screen resolution, and language.
• Usage data - screens viewed, session duration, and general in-app events.
• Approximate location - country or region, derived from your IP address.

This data is collected in aggregate and is used solely to improve the app experience. It is not used to personally identify you.

Crash Reporting

BudgetPal uses Firebase Crashlytics (by Google) to automatically detect and diagnose crashes and errors. Crashlytics may collect:

• Installation UUID - an anonymized identifier used to count how many users are affected by a specific crash, not linked to personal identity.
• Device information - device model, OS version, CPU architecture, and available memory at the time of the crash.
• Crash logs - stack traces and app state at the time of an error, including the app version and thread information.

Crash reports never include your financial data or any personal information you have entered into the app.

Third-Party Services

BudgetPal uses the following third-party services that may collect data as described above and in their own privacy policies:

• RevenueCat - in-app purchase and subscription management
• Google AdMob - advertisement delivery (free version only)
• Firebase Analytics - app usage analytics
• Firebase Crashlytics - crash and error reporting

Your personal financial data is never shared with any of these services or any other third party.

Camera and Photo Library Access

BudgetPal may request access to your device's camera or photo library solely to allow you to attach images to your transactions (for example, photos of receipts). These images are stored locally on your device within the app's private database and are never uploaded or shared. You can deny this permission and still use all other features of the app.

Data Security

Your data is stored in the app's private storage area, which is protected by your device's operating system from access by other apps. However, the app does not apply additional encryption to the local database. We recommend that you use your device's built-in security features such as a passcode, fingerprint, or face recognition to protect access to your data.

Children's Privacy

BudgetPal is not directed at children under the age of 13. The app does not knowingly collect personal information from children. If you are a parent or guardian and believe your child has used the app, please contact us at hello@budgetpal.app.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected within the app. We encourage you to review this policy periodically. Your continued use of the app after any changes constitutes your acceptance of the updated policy.

Contact Us

If you have any questions or concerns about this Privacy Policy, please reach out to us at hello@budgetpal.app