Privacy Policy

1. Who we are

PERSONAL BUDGET MAGNATES (“PBM”, “we”, “us”) is a personal financial planning application available at budgetmagnatesva.com. This policy explains what information we collect, why we collect it, how it is used, and the choices you have. It applies to the website and to the application itself.

2. Information you give us

• Account details — your name, email address, and authentication credentials. If you sign in with Google, Google shares your name and email address with us.
• Financial information you enter — assets, liabilities, transactions, goals, bills and subscriptions, equity grants, mileage trips, and retirement, risk and legacy assumptions.
• Receipts and documents — receipt photos and the details you add to them. Uploaded receipt images are stored in private storage and shown to you through short-lived signed links.
• AI requests — the questions and context you submit to the AI Advisor and the receipt extraction feature.
• Support and feedback — anything you send us when you ask for help.

3. Information collected automatically

We collect limited technical and usage information: pages and features you open, actions such as sign-up and checkout started, approximate region derived from your IP address, browser and device type, and referral source. We use this to keep the service secure, diagnose problems, and understand which features are used.

Analytics cookies are optional and are only set after you consent. See our Cookie Policy for the exact cookies and how to change your choice.

4. How we use your information

• To create and run your account and provide the features you use.
• To calculate dashboards, projections, scenarios and reports from the information you enter.
• To provide AI features — your request and relevant financial context are processed to produce a response.
• To process subscriptions, payments and trials, and to apply the plan limits that come with them.
• To send service messages such as verification codes, password resets, trial reminders and receipts.
• To protect the service — fraud prevention, abuse limits, and security monitoring.
• To measure and improve the product, using aggregated analytics.
• To meet legal, tax and accounting obligations.

5. AI features

When you use the AI Advisor or AI receipt extraction, your prompt and the relevant financial context are sent to a third-party AI provider to generate the result. Do not enter information you are not comfortable processing this way, such as another person’s sensitive data. AI output is informational only and can be incomplete or wrong; verify it before acting on it.

6. Sharing and disclosure

We do not sell your personal information, and we do not share it for cross-context behavioral advertising. We share it only with service providers who help us run the service:

• Hosting, database and authentication — Base44, which hosts this application and stores its data.
• Payments and subscriptions — our payment provider (Base44 Payments, powered by Wix). Card and bank details are entered on their checkout and are not stored by us.
• Sign-in — Google, when you choose “Continue with Google”.
• Analytics — Google Analytics 4, only after you accept analytics cookies.
• AI processing — the AI model providers used for the AI Advisor and receipt extraction.
• Legal and safety — where required by law, or to protect the rights, safety and security of our users, the public, or us.
• Business transfers — if the service is sold or merged, information may transfer as part of that transaction, under this policy.

7. Payments

Subscriptions are billed through Base44 Payments. We receive confirmation that a payment succeeded, the plan purchased, and limited billing details such as the email address and country associated with the purchase. We never receive your full card number.

8. How long we keep it

We keep your account and financial records while your account is open so the app can work. When you delete your account, we delete your personal content and records, except where we must keep limited information for legal, tax, fraud-prevention or accounting purposes. Aggregated analytics that cannot identify you may be kept longer.

9. Security

Data is encrypted in transit, access is restricted to your account, and receipt images are held in private storage. No system is perfectly secure, and we cannot guarantee that unauthorized access will never occur. You are responsible for keeping your password safe.

10. Your choices and rights

• Access and correction — review and update your details in Settings, and your financial data throughout the app.
• Deletion — delete your account and its data from Settings, or ask us to do it for you.
• Portability — request a copy of the information you have given us.
• Analytics consent — accept or decline at any time with the “Cookie settings” link in the footer, or from your browser settings.
• Marketing — we do not send marketing email to addresses outside the app without a lawful basis; you can opt out of any marketing message.

Depending on where you live, you may have additional rights under laws such as the GDPR or the CCPA/CPRA, including the right to object to certain processing and the right not to be discriminated against for exercising your rights. To make a request, contact us through the Help Center in the app. We respond within 30 days.

11. Children

The service is for adults. It is not directed to anyone under 18, and we do not knowingly collect information from children.

12. International processing

Our service providers may process information in countries other than yours. Where required, transfers rely on appropriate safeguards such as standard contractual clauses.

13. Changes to this policy

We may update this policy as the service changes. The date at the top always shows the current version, and material changes will be highlighted in the app.

14. Contact

Questions about this policy, or a request about your data, can be sent to us through the Help Center in the app under Settings.

15. Not financial advice

PERSONAL BUDGET MAGNATES provides educational and planning estimates only. Nothing in the app is tax, legal, or investment advice, and results are projections rather than guarantees.