Privacy Policy

Last Updated: February 18, 2026

Introduction

BudgetSwipe ("we", "our", or "the App") is committed to protecting your privacy. This Privacy Policy explains how we handle information when you use our budget tracking application.

The key principle: Your financial data stays on your device. We do not collect, store, or have access to your personal financial information.

Information We Do NOT Collect

BudgetSwipe is designed with privacy as a priority. We do not collect or have access to:

• Your transaction data (amounts, dates, notes)
• Your category information
• Your income or expense details
• Your spending patterns or insights
• Your personal financial information
• Your name, email, or contact information (unless you contact us directly)

All of this data is stored locally on your device and is never transmitted to our servers.

Information That May Be Collected

1. Analytics Data (Firebase Analytics)

We use Firebase Analytics, provided by Google, to understand how the App is used and to improve its performance and stability.

Firebase Analytics may collect:

• Aggregated usage events (such as feature usage and screen views)
• Device model and iOS version
• App performance and crash reports
• A pseudonymous app-instance identifier

This data is aggregated and privacy-preserving and does not include your financial information. It cannot be used to identify you personally, and it is never linked to your financial data, which remains on your device.

2. Subscription and Purchase Data (RevenueCat)

If you subscribe to BudgetSwipe Pro, your purchase is processed through Apple's App Store. We use RevenueCat, a third-party subscription management service, to manage subscription status and entitlements.

RevenueCat may collect:

• An anonymous app user ID to track subscription status
• Purchase receipts and subscription status (active, expired, etc.)
• Transaction history related to in-app purchases

RevenueCat does not have access to your financial data within the App. Purchase data is used solely to determine your subscription status and unlock premium features.

3. Push Notification Tokens

If you enable push notification reminders:

• A device token is generated by Apple to deliver notifications
• Notifications are scheduled locally on your own device
• We do not send remote notifications or store notification tokens outside your device

4. Bank Statement Import (CSV Files)

When you import a bank statement CSV file:

• The file is processed entirely on your device
• Transaction data extracted from the file is stored locally using Core Data
• The original CSV file is not retained by the App after import
• No bank statement data is transmitted to our servers or any third party

Data Storage

Local Storage

• All your financial data is stored locally on your device using Apple's Core Data framework
• Data is protected by your device's security features (passcode, Face ID, Touch ID)

iCloud Backup

• Your BudgetSwipe data may be included in your device's iCloud backup if iCloud backup is enabled
• iCloud backups are encrypted and managed by Apple
• You can control this in your device's iCloud settings

Third-Party Services

Firebase Analytics (Google)

We use Firebase Analytics to understand App usage and improve the user experience. Firebase:

• Collects anonymous usage data and crash reports
• May use device identifiers for analytics purposes
• Does not have access to your financial data within the App
• Is subject to Google's privacy policy: https://policies.google.com/privacy
• Firebase-specific terms: https://firebase.google.com/support/privacy

RevenueCat

We use RevenueCat to manage in-app subscriptions. RevenueCat:

• Processes purchase receipts to verify subscription status
• Uses an anonymous app user ID (not linked to your identity)
• Does not have access to your financial data within the App
• Is subject to RevenueCat's privacy policy: https://www.revenuecat.com/privacy

Apple

• Apple's privacy policy applies: https://www.apple.com/legal/privacy

Data Sharing

We do not sell, trade, or share your personal information with third parties.

The only data sharing that occurs:

• At your request: When you use the "Share Insights" feature, you choose to share that specific content
• With Google/Firebase: Anonymous analytics data for App improvement

Children's Privacy

BudgetSwipe is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us.

Your Rights

You have the right to:

• Access your data: All your data is stored on your device and accessible within the App
• Delete your data: Delete the App to permanently remove all local data
• Export your data: Use sharing features to export your insights
• Control notifications: Enable or disable reminders in the App settings

GDPR & Regional Rights

If you are located in the EU, UK, or other regions with data protection laws, you have additional rights regarding your personal information. Since we do not collect or store your financial data on external servers, most of these rights are automatically exercised by you.

If you have questions, please contact us.

Data Retention

• Local data: Retained on your device until you delete the App or clear the data
• Analytics data: Retained by Firebase in anonymous, aggregated form

Security

We take reasonable measures to protect the App:

• Financial data is stored locally using Apple's secure Core Data framework
• The App does not transmit financial data over the internet
• We recommend using device security features (passcode, biometrics)

No method of electronic storage is 100% secure. You are responsible for maintaining the security of your device.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes through:

• The App
• App Store update notes

Continued use of the App after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at:

budgetswipeapp@gmail.com

Consent

By using BudgetSwipe, you consent to this Privacy Policy.

Summary