Privacy Policy

1. Who we are

BudgetAI is a personal finance tracker with an AI assistant. It is distributed on Google Play, RuStore and the App Store as BudgetAI. This policy applies to all versions of the app.

Data controller: Kostiantyn Petrenko.

Email: petrenko.konstantin.dev@gmail.com

2. What data we collect

Account data:

• Email address
• Name and profile photo — if you sign in with Google or Apple, we receive them from your account
• Sign-in method and registration date

Financial data you enter:

• Transactions: amount, currency, category, note, date
• Categories, budgets, spending limits and your budgeting scheme
• Debts, planned payments, expected income and savings events
• Base currency and the list of currencies you use

AI assistant data:

• Chat history with the AI assistant, including transaction cards it creates
• Personal categorization rules the assistant learns from your corrections
• Monthly AI reports and your feedback on them
• AI usage statistics: number of requests and their cost

Import files:

• Bank statements (.csv, .xls, .xlsx) and screenshots you choose to import. They are uploaded to secure storage only for the time of processing and are deleted as soon as the import session ends.

Purchase data:

• Balance of AI message packs and purchase history. We never receive your payment card details — payments are handled entirely by Google Play, the App Store or YooKassa (in the RuStore version).

What we do NOT collect:

• No advertising or analytics trackers and no crash-reporting SDKs
• No location data and no access to your contacts
• No audio recordings: voice input uses your device's built-in speech recognition (Google or Apple), and only the recognized text reaches the app

3. How we use your data

• Providing the service — syncing your data between devices and keeping it safely backed up
• AI features — recognizing transactions from chat messages, the financial advisor, monthly reports and parsing imported statements. The AI works only with the data you entered.
• Crediting purchased AI packs to your account based on confirmations from the payment provider
• We do not use your data for advertising or marketing profiling

4. Who has access

Third-party processors:

• Google Firebase — authentication, database and file storage (region europe-west1, Belgium)
• Anthropic — AI processing: your chat messages, a snapshot of your financial data, rows of imported statements and screenshots are sent to Anthropic's Claude models to generate responses. All requests are made from our server; Anthropic does not use this data to train its models.
• Google Play / App Store / YooKassa — payment processing; we receive only purchase confirmations, never your card details
• Exchange-rate service — the app requests currency rates; none of your personal data is sent with these requests

We do not sell your data and do not share it with advertisers or data brokers.

5. Data storage

Data is stored on Google Firebase servers in the europe-west1 region (Belgium), protected by TLS encryption in transit and encrypted at rest.

A local copy of your data is cached on your device so the app works offline; it is cleared when you sign out.

Your data is kept for as long as your account exists. When you delete your account, all of it — profile, transactions, chat history and files — is permanently deleted.

6. Your rights

• Access: request a copy of all data we hold about you
• Deletion: delete your account in the app settings, or email us
• Correction: edit your data directly in the app, or contact us
• Portability: we will provide your data in a machine-readable format

7. Children's data

The service is intended for users aged 18 and over. We do not knowingly collect data from minors.

8. Policy changes

We will notify you of significant changes in the app at least 7 days before they take effect.

9. Contact

petrenko.konstantin.dev@gmail.com

We respond within 5 business days.