Privacy Policy

Last updated: June 14, 2025

1. Introduction

At VisuBudget, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our budgeting and financial management service.

2. Information We Collect

Personal Information

  • Account Information: Email address, password (encrypted), and profile preferences
  • Financial Data: Account balances, transaction details, income information, and spending categories that you manually enter
  • Usage Data: How you interact with our service, pages visited, and features used

Automatically Collected Information

  • Device Information: Browser type, operating system, IP address
  • Cookies: We use essential cookies for authentication and preferences

3. How We Use Your Information

We use your information to:

  • Provide and maintain our budgeting service
  • Calculate your available spending amounts and financial insights
  • Send you important service notifications
  • Improve our service and develop new features
  • Comply with legal obligations

4. Information Sharing

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

  • With your consent: When you explicitly authorize sharing
  • Legal requirements: When required by law or to protect our rights
  • Service providers: With trusted partners who help us operate our service (all bound by confidentiality agreements)

5. Data Security

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

  • Bank-level encryption for all data transmission
  • Secure password hashing using modern algorithms
  • Regular security audits and updates
  • Limited access to personal data by authorized personnel only

6. Your Rights and Choices

You have the right to:

  • Access: Request a copy of your personal data
  • Correction: Update or correct your information
  • Deletion: Request deletion of your account and data
  • Portability: Export your financial data
  • Withdrawal: Withdraw consent for data processing

7. Cookies and Tracking

We use essential cookies to:

  • Keep you logged in securely
  • Remember your preferences (theme, settings)
  • Protect against security threats

You can control cookies through your browser settings, but disabling essential cookies may affect service functionality.

8. Data Retention

We retain your information for as long as your account is active or as needed to provide services. When you delete your account, we will delete your personal data within 30 days, except where required by law.

9. International Transfers

Your data may be processed in countries other than your residence. We ensure appropriate safeguards are in place for international data transfers.

10. Children's Privacy

VisuBudget is not intended for children under 16. We do not knowingly collect personal information from children under 16.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by email or through our service.

12. Contact Us

If you have questions about this Privacy Policy or your personal data, please contact us at:

  • Email: privacy@visubudget.com
  • Address: [Your Business Address]