Privacy Policy

Big Beautiful Budget (“we,” “us,” or “our”) operates a web-based budgeting application. This Privacy Policy describes what information we collect from users of our service, how we use it, and how we protect it.

1. Information We Collect

We collect the following categories of information:

• Account information: your email address, authentication credentials (hashed passwords or session tokens), and subscription status.
• User-entered financial data: account nicknames, scheduled transaction titles, amounts, frequencies, and dates that you voluntarily enter to use the budgeting features.
• Technical information: server access logs, IP addresses, browser type, and error logs collected automatically to maintain service reliability and diagnose issues.

2. How We Use Your Information

• To provide, operate, and maintain the budgeting service you signed up for.
• To manage your account and subscription status.
• To respond to support requests or communications you initiate.
• To improve service reliability, fix errors, and prevent abuse.

We do not sell, rent, or trade your personal information to third parties. We do not use your data for advertising or profiling purposes.

3. Payments

All subscription payments are processed by Stripe, Inc. When you subscribe, your payment details (such as credit or debit card numbers) are transmitted directly to Stripe and are never sent to or stored on our servers. We receive only a confirmation of your payment status, customer identifier, and subscription identifier from Stripe. For information about how Stripe handles your payment data, please refer to Stripe's own privacy policy.

4. Data Minimization and Nickname Guidance

We encourage you to enter only the minimum information necessary to use the service effectively. In particular:

• Use nicknames for accounts. When creating accounts in the app, use a short, recognizable label (e.g., “Main Checking” or “Savings”). Do not enter bank account numbers, routing numbers, or any other sensitive financial identifiers.
• Stored data lacks external context. The dollar amounts and labels you enter are stored without any connection to actual bank accounts or financial institutions. A numeric value stored in our system is not meaningful on its own and cannot be used to identify or access any external account.

5. Security

We implement industry-standard security measures to protect your data, including:

• All data transmitted between your browser and our servers is encrypted using HTTPS/TLS.
• Authentication credentials are hashed and never stored in plain text.
• Server access is restricted and protected by access controls.

No system can guarantee absolute security. Despite our safeguards, no method of electronic transmission or storage is completely secure. We cannot guarantee that unauthorized access, data breaches, or security incidents will never occur. In the event of a security incident affecting your data, we will notify affected users as required by applicable law.

6. Data Retention and Deletion

We retain your account information and user-entered data for as long as your account remains active. If you choose to delete your account, all associated data—including your user profile, subscription record, accounts, scheduled transactions, and related entries—will be permanently removed from our systems. Technical logs may be retained for a limited period for security and troubleshooting purposes.

7. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by posting the updated policy within the application. Your continued use of the service after any changes constitutes acceptance of the revised policy.

8. Contact

If you have questions about this Privacy Policy or your data, please contact us at [email protected].