Privacy Policy

1. Introduction

FadoniTech ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Budget Planner AI mobile application and related services.

By using Budget Planner AI, you consent to the data practices described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use our application.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information when you use Budget Planner AI:

• Account Information: Name, email address, and authentication data for account creation
• Financial Data: Income, expenses, budgets, transactions, and financial goals you voluntarily input
• Profile Information: Account preferences, settings, and user configurations
• Contact Information: Email address for communications and support

2.2 Automatically Collected Information

When you use our app, we may automatically collect:

• Device Information: Device type, operating system, version, and unique device identifiers
• Usage Data: App usage patterns, features accessed, and interaction data (when tracking permission granted)
• Technical Data: Crash reports, performance data, and error logs
• Network Information: IP address and general location information
• App Analytics: User behavior and feature usage (when tracking permission granted)

2.3 Financial Information

Budget Planner AI is designed to help you manage your personal finances. We collect:

• Transaction Data: Income and expense transactions you record
• Budget Information: Budget categories, limits, and spending targets
• Account Data: Account names, balances, and financial accounts
• Financial Goals: Savings goals and financial objectives

3. App Tracking Transparency

Budget Planner AI implements Apple's App Tracking Transparency framework. We request your permission before tracking your activity across other companies' apps and websites.

3.1 What We Track (When Permission Granted)

• Error and crash reports with user context for faster bug resolution
• Performance metrics to optimize app speed and responsiveness
• Usage analytics to understand which features are most valuable
• Navigation patterns to improve user experience design
• Session data to provide personalized insights

3.2 What We Track (When Permission Denied)

• Anonymous crash reports (without user identification) for app stability
• Minimal performance data for essential improvements
• No behavioral tracking or personalization data
• No session analytics or user patterns

3.3 Your Control

• Initial Choice: Permission dialog appears on first app launch
• Change Anytime: Modify tracking preference in iOS Settings → Privacy & Security → Tracking
• Full Functionality: All core financial features work regardless of tracking choice
• Transparency: Clear explanation of what data is collected in each mode

4. How We Use Your Information

4.1 Core App Functionality (Always Available)

• Provide Services: Deliver and maintain Budget Planner AI functionality
• Process Financial Data: Generate insights, reports, and financial analysis
• AI Services: Provide AI-powered financial advice and recommendations
• Security: Protect against fraud and unauthorized access
• Customer Support: Respond to inquiries and provide assistance

4.2 Enhanced Features (When Tracking Allowed)

• Personalized Recommendations: Improved AI suggestions based on usage patterns
• Performance Optimization: Targeted improvements for your device and usage style
• Feature Development: Prioritize new features based on user needs
• Advanced Analytics: Deeper insights into spending patterns

5. Data Security

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

• Encryption: Data encrypted in transit and at rest using industry-standard protocols
• Secure Authentication: Multi-factor authentication and secure login systems
• Access Controls: Personal data access restricted to authorized personnel only
• Regular Audits: Periodic security assessments and vulnerability testing
• Data Filtering: Sensitive information automatically filtered before transmission
• Secure Infrastructure: Data stored on secure, monitored cloud servers

6. Data Sharing and Disclosure

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

• With Your Consent: When you explicitly authorize us to share your information
• Legal Requirements: To comply with court orders, legal processes, or regulatory requirements
• Protection of Rights: To protect our rights, property, or safety, or that of our users
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Service Providers: With trusted third-party service providers who assist in app operations

7. Third-Party Services

Budget Planner AI integrates with third-party services to provide enhanced functionality:

7.1 Tracking and Analytics Services

• Sentry: Crash reporting and performance monitoring (data varies by tracking permission)
  • With Permission: Error logs with user context, performance metrics, usage patterns
  • Without Permission: Anonymous crash reports, minimal device information

7.2 Payment and Authentication Services

• Stripe: Payment processing and subscription management
• Apple Pay: Mobile payment processing
• Apple Authentication: Secure sign-in with Apple ID

7.3 Core Services

• Push Notifications: Notification delivery for reminders and updates
• Cloud Storage: Secure data storage and backup services

These services have their own privacy policies. We encourage you to review them as we are not responsible for their privacy practices.

8. AI and Machine Learning

Budget Planner AI uses artificial intelligence to provide personalized financial insights:

• Spending Analysis: Analysis of your spending patterns and financial behavior
• Personalized Recommendations: AI-generated financial advice and budget suggestions
• Predictive Analytics: Forecasting and trend analysis based on your financial data
• Smart Categorization: Automatic transaction categorization

Important: Your financial data is processed securely and used only to provide you with relevant financial insights. We do not use your data to train external AI models or share it with third-party AI services.

9. Data Retention

We retain your personal information only for as long as necessary:

9.1 Specific Retention Periods

• Account Data: Retained until account deletion or 3 years of inactivity
• Financial Transactions: Retained for 7 years for tax compliance purposes
• Tracking Data: Retained for 2 years in anonymized form (when tracking allowed)
• Crash Reports: Retained for 1 year for debugging and improvement
• Support Communications: Retained for 3 years for customer service

9.2 Data Deletion

• Account Deletion: All personal data deleted within 30 days of account deletion request
• Tracking Data: Can be deleted immediately upon request
• Financial Data Export: Available before deletion in standard formats

10. Your Rights and Controls

10.1 Data Rights

• Access: Request access to your personal information
• Correction: Update or correct inaccurate data
• Deletion: Request deletion of your personal information
• Portability: Export your data in standard formats
• Restriction: Limit processing of your data

10.2 Tracking Controls

• Permission Management: Change tracking preference in iOS Settings
• Data Minimization: Opt for anonymous-only data collection
• Feature Access: Maintain full app functionality regardless of tracking choice

11. Regional Compliance

11.1 GDPR Compliance (EU Users)

EU users have additional rights under GDPR:

• Right to be informed about data processing
• Right to access personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Rights related to automated decision making

11.2 CCPA Compliance (California Users)

California residents have rights under CCPA:

• Right to know what personal information is collected
• Right to know if personal information is sold (we do not sell data)
• Right to access personal information
• Right to equal service and pricing

12. Children's Privacy

Budget Planner AI is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we discover such collection, we will delete the information promptly.

13. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure compliance with applicable data protection laws through:

• Standard Contractual Clauses: For transfers to countries without adequate protection
• Adequacy Decisions: For transfers to countries with adequate protection
• Technical Safeguards: Encryption and security measures during transfer

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of material changes through:

• In-App Notification: Alert within the Budget Planner AI app
• Email Notification: Updates sent to your registered email address
• Website Update: Policy updates posted on our website

Your continued use after changes constitutes acceptance of the updated policy.

15. Contact Us

For questions about this Privacy Policy or our data practices, contact us at:

For data protection requests or tracking-related inquiries: henry@fadoni.tech