Privacy Policy

This privacy policy explains how Budget Buddy handles your data.

Data Collection

Budget Buddy is designed with privacy in mind. All your financial data is stored locally on your device. We do not collect, store, or have access to your personal financial information.

Bank Statement Import

When you import bank statements, the CSV files are processed locally on your device. No data is transmitted to our servers.

Analytics

We may collect anonymous usage statistics to improve the app. This data does not include any personal or financial information.

AI Features & Third-Party AI Services (Optional)

Budget Buddy offers optional AI-powered features including an Agent chat assistant, voice input transcription, and receipt photo recognition. These features are entirely user-driven and disabled by default. They only become active when you:

1. Provide your own API key for a supported AI provider (OpenAI or Google Gemini), and
2. Explicitly enable the "Allow sharing data" consent toggle in the app's AI Settings screen.

What data is sent

When you use an AI feature, only the content you actively submit is sent to your chosen AI provider:

• Agent chat — your text messages and conversation context (such as account names, transaction descriptions, and aggregated financial summaries that the agent retrieves to answer your questions).
• Voice input — your voice recording, for transcription.
• Receipt recognition — the receipt photo you capture or select.

No data is sent in the background or without your action. The app does not transmit raw transaction amounts, passwords, or any data beyond what is needed to fulfil the specific AI request you initiate.

Who the data is sent to

Data is sent directly from your device to the AI provider you select in Settings:

• OpenAI (OpenAI, L.L.C.) — when OpenAI is selected. See OpenAI's Privacy Policy.
• Google Gemini (Google LLC) — when Google Gemini is selected. See Google's API Terms.

Budget Buddy does not operate as an intermediary — your API key authenticates you directly with the provider. We do not receive, store, or have access to the content of your AI requests or responses.

Your control

You can revoke consent at any time by turning off the data-sharing toggle in AI Settings. Removing your API key or disabling the toggle immediately stops all data transmission to AI services. No historical data is retained by the app after it is sent to the provider; refer to the provider's own privacy policy and data-retention practices for information on how they handle your data.

Other Third-Party Services

Apart from optional AI features described above, Budget Buddy uses Firebase (Google) for anonymous crash reporting and usage analytics. No personal or financial data is included in these analytics.

Contact

If you have any questions about this privacy policy, please contact us at korsour@gmail.com.