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Budgie

Datenschutzerklärung

Last Updated: November 6, 2024

1. Introduction

Budgie („wir“, „unser“ oder „uns“) verpflichtet sich, Ihre Privatsphäre zu schützen. Diese Datenschutzrichtlinie erklärt, wie wir Ihre Informationen erfassen, verwenden, offenlegen und schützen, wenn Sie unsere mobile Anwendung und Website (zusammen der „Service“) nutzen. Wir sind eine private Finanztracking-App, die offline-first arbeitet, das heißt: Ihre Finanzdaten bleiben auf Ihrem Gerät.

2. Data We Collect

2.1 Information Stored Locally on Your Device

The following data is stored exclusively on your device and is never transmitted to our servers unless you explicitly enable optional cloud features:

  • Financial transactions and expense records
  • Account balances and banking information (if bank sync is enabled)
  • Budgeteinstellungen und Kategorien
  • Investment portfolio data (stocks and cryptocurrency holdings)
  • Debt and loan information
  • Financial goals and targets
  • AI chat conversations and financial insights

2.2 Information We May Collect

With your explicit consent, we may collect the following minimal information:

  • Anonymous usage analytics (e.g., feature usage patterns, crash reports) - opt-in only
  • Device information (type, operating system version) for debugging purposes
  • Authentication tokens for optional bank sync services (stored securely in device keychain)

3. How We Use Your Information

We use the limited information we collect to:

  • Provide and maintain the Service
  • Improve and optimize app performance
  • Identify and fix bugs and technical issues
  • Facilitate optional bank synchronization (with your explicit consent)
  • Provide customer support
  • Send important updates about the Service (security notices, policy changes)

We do NOT use your financial data for advertising, profiling, or any commercial purposes beyond providing the Service to you.

4. Data Storage and Security

4.1 Local Storage

Ihre Finanzdaten werden lokal auf Ihrem Gerät mit Standardverschlüsselung gespeichert. Budgie nutzt dabei Sicherheitsfunktionen des Geräts, darunter:

  • Encrypted local database storage
  • Secure keychain/keystore for sensitive credentials
  • Device biometric authentication support

4.2 Third-Party Services

When you opt into optional features, we may use the following trusted third-party services:

  • Bank sync providers (only with your explicit authorization)
  • Market data providers for investment pricing
  • Cloud AI services (only when you enable cloud-assisted AI features)
  • Analytics services (anonymous, opt-in only)

These services have their own privacy policies, and we carefully select partners who meet our high privacy standards.

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share limited information only in the following circumstances:

  • With your explicit consent
  • To comply with legal obligations (e.g., court orders, regulatory requirements)
  • To protect our rights, property, or safety, or that of our users or the public
  • With service providers who assist in operating the Service (bound by strict confidentiality agreements)
  • In connection with a merger, acquisition, or sale of assets (users will be notified)

6. Your Rights and Choices

You have the following rights regarding your data:

  • Access: Your data is always accessible within the app
  • Correction: You can edit or correct your data at any time
  • Deletion: You can delete your data by uninstalling the app or using the in-app data deletion feature
  • Portability: Export your data in CSV format at any time
  • Opt-out: Disable analytics and optional cloud features in app settings
  • Revoke consent: Disconnect bank sync or disable cloud AI at any time

7. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

8. International Data Transfers

Since your financial data is stored locally on your device, international data transfers are minimal. However, if you use optional cloud features, your data may be processed in countries where our service providers operate. We ensure appropriate safeguards are in place to protect your data in compliance with applicable data protection laws including GDPR and CCPA.

9. Data Retention

Ihre Finanzdaten bleiben auf Ihrem Gerät, bis Sie sie löschen. Wenn Sie optionale Cloud-Funktionen nutzen, bewahren wir Ihre Daten nur so lange auf, wie es zur Bereitstellung des Service erforderlich oder gesetzlich vorgeschrieben ist. Anonyme Analysedaten können in aggregierter Form unbegrenzt aufbewahrt werden.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. For significant changes, we will provide prominent notice within the app. Your continued use of the Service after changes become effective constitutes acceptance of the revised policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:

Budgie Email: privacy@budgie.at Website: https://budgie.at

12. Legal Framework Compliance

This Privacy Policy is designed to comply with:

  • General Data Protection Regulation (GDPR) - European Union
  • California Consumer Privacy Act (CCPA) - United States
  • Personal Information Protection and Electronic Documents Act (PIPEDA) - Canada
  • Other applicable data protection and privacy laws