Privacy Policy

Contact Information

1. Introduction

Welcome to BudgetOnTime. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our budget management application and services.

By using BudgetOnTime, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the application.

2. Information We Collect

2.1 Personal Information You Provide

• • Account Information: Name, email address, password (encrypted)
• • Profile Information: Display name, avatar, bio, timezone preferences
• • Financial Information: Budget amounts, expense categories, transaction descriptions
• • Workspace Information: Workspace names, member relationships, shared budgets

2.2 Information Automatically Collected

• • Usage Data: Features used, frequency of use, interaction patterns
• • Device Information: Browser type, operating system, device identifiers
• • Log Data: IP address, access times, pages viewed, click patterns
• • Cookies: Session management, user preferences, authentication tokens

2.3 Financial Data

• • We do NOT store credit card or banking credentials
• • Payment processing is handled by Stripe (PCI-compliant)
• • Transaction amounts and categories are stored for budgeting purposes only

3. How We Use Your Information

We use your information to:

• • Provide Services: Manage your budget, track expenses, generate insights
• • Improve Features: Analyze usage patterns, enhance user experience
• • Communication: Send important updates, security alerts, feature announcements
• • Customer Support: Respond to inquiries, troubleshoot issues
• • Legal Compliance: Comply with applicable laws and regulations
• • Security: Detect and prevent fraud, unauthorized access

4. Data Sharing and Disclosure

Limited Sharing

We may share your information only in these circumstances:

• • With Your Consent: When you explicitly authorize sharing
• • Workspace Members: Budget data shared within your workspace teams
• • Service Providers: Trusted partners who assist our operations (Supabase, Vercel, Stripe)
• • Legal Requirements: When required by law or to protect rights
• • Business Transfers: In case of merger, acquisition, or asset sale

5. Data Security

We implement industry-standard security measures:

• • Encryption: All data transmitted using SSL/TLS encryption
• • Access Controls: Role-based permissions and authentication
• • Infrastructure: Hosted on secure cloud platforms (Supabase, Vercel)
• • Regular Audits: Security reviews and vulnerability assessments
• • Password Protection: Bcrypt hashing for password storage

6. Your Rights and Choices

Access and Control

You have the right to:

• • Access: Request a copy of your personal data
• • Correct: Update or correct inaccurate information
• • Delete: Request deletion of your account and data
• • Export: Download your data in a portable format
• • Restrict: Limit how we process your information
• • Object: Opt-out of certain data processing

7. California Privacy Rights (CCPA)

California residents have additional rights:

• • Right to know what personal information is collected
• • Right to know if information is sold or disclosed
• • Right to say no to the sale of personal information
• • Right to equal service and price

To exercise these rights, contact us at admin@budgetontime.com

8. Contact Us