Privacy Policy

1. Introduction

Welcome to Budget Tracker ("we", "our", or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our service.

By creating an account or using Budget Tracker, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect only the minimum information necessary to provide our service:

• Account information: Your name and email address, provided when you register.
• Password: Stored as a secure one-way hash (bcrypt). We never store your plain-text password.
• Budget data: The budget cards, expense descriptions, and amounts you enter while using the app.
• Session data: A temporary session identifier stored in a cookie to keep you logged in.

We do not collect payment information, location data, device fingerprints, or any third-party tracking data.

3. How We Use Your Information

The information we collect is used solely to operate and improve Budget Tracker:

• To create and manage your account.
• To display your budget cards and expense history.
• To authenticate you securely on each visit.
• To respond to support requests you send us directly.

We do not sell, rent, or trade your personal information to any third parties.

4. Cookies

We use a single session cookie to keep you logged in. This cookie contains only a random session identifier — no personal data is stored in the cookie itself. It expires when you close your browser or explicitly sign out.

We do not use analytics cookies, advertising cookies, or any third-party tracking cookies.

5. Data Storage & Security

Your data is stored on a password-protected database server. We apply the following security practices:

• Passwords are hashed using bcrypt with a secure cost factor.
• All database queries use prepared statements to prevent SQL injection.
• Sessions are managed server-side using PHP's built-in session handling.
• Access to the database is restricted to the application server only.

While we take reasonable precautions, no method of transmission over the internet is 100% secure. We encourage you to use a strong, unique password for your account.

6. Data Retention

We retain your account and budget data for as long as your account remains active. If you delete your account, all associated data — including budget cards and expense records — is permanently deleted within 30 days.

7. Your Rights

You have the right to:

• Access all data associated with your account at any time via the dashboard.
• Delete any budget card or expense record directly from the app.
• Request account deletion by contacting us. We will delete your account and all data within 30 days.
• Export your data upon request (contact us for assistance).

8. Children's Privacy

Budget Tracker is not intended for children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has created an account, please contact us and we will promptly delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of the service after changes constitutes acceptance of the revised policy.

10. Contact Us

If you have any questions about this Privacy Policy or your data, please reach out to us. We will do our best to respond promptly.