🏦 BudgetBuddy

1. Introduction

BudgetBuddy ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application.

2. Information We Collect

Personal Information:

• Email Address - For account creation and communication
• Full Name - For personalization and account identification
• Phone Number (Optional) - For account recovery and notifications
• Country and City - For localized features and offers
• Age Group - For demographic insights and relevant content

Preferences:

• Interest Categories - For personalized offers and insights
• Budget Settings - For expense tracking functionality

Technical Information:

• Firebase Cloud Messaging (FCM) Token - For sending notifications
• Device Information - For app functionality and crash reporting
• Usage Analytics - Through Firebase Analytics for app improvement

3. How We Use Your Information

We use your information to:

• Provide expense tracking and budget management services
• Send personalized cashback offers and promotions (Sri Lanka users)
• Deliver bill reminders and budget notifications
• Improve app functionality and user experience
• Provide customer support
• Send important app updates and security notifications

4. Information Sharing

We DO NOT sell, trade, or rent your personal information to third parties.

We may share information with:

• Firebase/Google Services - For authentication, analytics, and notifications
• Legal Authorities - If required by law or to protect our rights
• Service Providers - Who assist in app operations (under strict confidentiality agreements)

5. Data Security

We implement industry-standard security measures to protect your information:

• All data is encrypted in transit and at rest
• Firebase authentication provides secure user management
• Regular security updates and monitoring
• No storage of sensitive financial data (card numbers, PINs, etc.)

6. Your Privacy Rights

You have the right to:

• Access your personal data
• Update or correct your information through the app
• Delete your account and associated data
• Opt-out of promotional notifications
• Withdraw consent for data processing

7. Children's Privacy

Our app is not intended for children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us immediately.

8. Third-Party Services

Our app uses the following third-party services:

• Firebase (Google) - Authentication, database, analytics, and messaging
  Firebase Privacy Policy
• Google Play Services - For app functionality
  Google Privacy Policy

9. Data Retention

We retain your information for as long as:

• Your account is active
• Needed to provide our services
• Required by law
• You can request data deletion at any time through the app settings

10. International Data Transfers

Your information may be processed in countries other than your own, including the United States where our servers are located. We ensure appropriate safeguards are in place for such transfers.

11. Updates to This Policy

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

• In-app notifications
• Email notifications
• App store update notes