Privacy Policy

1. Introduction

BudgetXpert is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial planning platform.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the platform.

2. Information We Collect

We collect information that you provide directly to us, including: personal identification information (name, email address, phone number); account credentials; financial data that you input into the platform for budgeting purposes; payment information when you subscribe to our services.

We also automatically collect certain information when you use our platform, including: device information, IP address, browser type, operating system; usage data such as pages visited, features used, and time spent on the platform; cookies and similar tracking technologies.

3. How We Use Your Information

We use the information we collect to: provide, maintain, and improve our services; process transactions and send related information; send you technical notices, updates, security alerts, and support messages; respond to your comments, questions, and customer service requests.

We may also use your information to: monitor and analyze trends, usage, and activities; detect, investigate, and prevent fraudulent transactions and other illegal activities; personalize and improve your experience on the platform.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, and regular security assessments.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances: with service providers who assist us in operating our platform; to comply with legal obligations; to protect our rights, privacy, safety, or property.

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

6. Your Rights

You have the right to: access the personal information we hold about you; request correction of inaccurate information; request deletion of your personal information; object to processing of your personal information; request restriction of processing; data portability.

To exercise any of these rights, please contact us using the information provided at the end of this policy. We will respond to your request within the timeframe required by applicable law.

7. Cookies and Tracking

We use cookies and similar tracking technologies to track activity on our platform and hold certain information. Cookies are files with small amounts of data that may include an anonymous unique identifier.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our platform.

8. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ from those of your jurisdiction.

If you are located outside the country where our servers are located and choose to provide information to us, please note that we transfer the data to our server location and process it there.

9. Changes to This Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at privacy@budgetxpert.com or through our support channels.