Privacy policy

Privacy Policy

Family Budget
Effective Date: July 1, 2026
Website: https://myfamilybudget.org

1. Introduction

Family Budget respects your privacy and is committed to protecting the personal and financial information you provide when using our website and web application.

This Privacy Policy explains how Family Budget collects, uses, stores, and protects information when you create an account, manage household income, bills, expenses, debts, deductions, imported records, projected balances, and household members.

By using Family Budget, you agree to the practices described in this Privacy Policy.

2. Information We Collect

We may collect the following types of information:

Account Information

When you register or use Family Budget, we may collect:

  • Name
  • Email address
  • Password credentials
  • Household name
  • User role, such as admin, member, or viewer
  • Login and account activity information

Passwords are stored using secure hashing methods and are not stored in plain text.

Household Financial Information

Because Family Budget is designed to help households manage finances, you may choose to enter information such as:

  • Income sources
  • Salary or recurring income
  • One-time income
  • Bills and due dates
  • Expenses and deductions
  • Debt balances
  • Debt payments
  • Payment dates
  • Payment status
  • Notes related to household financial records
  • Imported CSV or Excel records

Household Member Information

If you invite or add household members, we may collect:

  • Member names
  • Member email addresses
  • User roles and permissions
  • Invite code activity
  • Household access status

Imported Data

If you upload CSV or Excel files, we may process the contents of those files to import household income, bills, expenses, debts, and payments into your account.

You are responsible for ensuring that any uploaded file contains information you are authorized to upload.

Technical Information

We may automatically collect limited technical information, including:

  • IP address
  • Browser type
  • Device type
  • Operating system
  • Login timestamps
  • Session activity
  • Security logs
  • Error logs

This information helps us operate, secure, and improve the application.

3. How We Use Your Information

Family Budget may use your information to:

  • Create and manage user accounts
  • Allow users to log in securely
  • Manage household budgets, income, expenses, bills, debts, and balances
  • Calculate monthly totals and projected balances
  • Generate reports and charts
  • Allow household members to collaborate
  • Process uploaded CSV or Excel files
  • Provide account security features, including authenticator-app MFA
  • Maintain and improve the application
  • Detect, prevent, and respond to security issues
  • Provide customer support
  • Communicate important service updates

4. How We Share Information

We do not sell your personal information.

We may share information only in limited circumstances, including:

  • With authorized household members based on your selected household permissions
  • With service providers who help operate, host, maintain, or secure the application
  • When required by law, subpoena, court order, or government request
  • To protect the rights, safety, and security of Family Budget, its users, or others
  • In connection with a business transfer, such as a merger, acquisition, restructuring, or sale of assets

Household financial records are intended to remain scoped to the household account and accessible only to authorized users within that household.

5. Household Access and Permissions

Family Budget allows household members to share financial records within a household account. The account owner or administrator may assign roles and permissions.

Depending on your role, other members of your household may be able to view, add, edit, or manage financial records.

You should only invite people you trust to access your household financial information.

6. Data Security

We use reasonable administrative, technical, and organizational safeguards to help protect your information.

Security measures may include:

  • Password hashing
  • Prepared database statements
  • Session-based authentication
  • Household-scoped records
  • Role-based access controls
  • Authenticator-app MFA
  • Secure import handling
  • Access controls for sensitive information

However, no website, server, database, or internet transmission is completely secure. We cannot guarantee absolute security.

7. Your Responsibilities

You are responsible for:

  • Keeping your login credentials confidential
  • Using a strong password
  • Enabling MFA when available
  • Ensuring household members are authorized to access shared records
  • Reviewing imported files before uploading them
  • Logging out when using shared or public devices
  • Promptly notifying us of unauthorized access or suspicious activity

8. Data Retention

We retain your information for as long as needed to provide the service, maintain records, comply with legal obligations, resolve disputes, enforce agreements, and protect the application.

You may request deletion of your account or household data by contacting us. Some information may be retained where required by law, for security purposes, backup retention, fraud prevention, or legitimate business needs.

9. Cookies and Similar Technologies

Family Budget may use cookies or similar technologies to:

  • Keep users logged in
  • Maintain secure sessions
  • Remember user preferences
  • Improve website performance
  • Protect against unauthorized access

You may control cookies through your browser settings, but disabling cookies may affect the functionality of the application.

10. Email Communications

We may send emails related to:

  • Account registration
  • Password reset
  • Security alerts
  • Household invitations
  • Service updates
  • Important administrative notices

We may also send optional product updates or announcements where permitted. You may opt out of non-essential communications, but you may still receive transactional or security-related emails.

11. Children's Privacy

Family Budget is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13.

If you believe a child has provided personal information, please contact us so we can take appropriate action.

12. Third-Party Services

Family Budget may use third-party services for hosting, analytics, email delivery, authentication, security, or payment processing if such features are added.

Third-party services may process information according to their own privacy policies.

13. Financial Disclaimer

Family Budget is a budgeting and household financial tracking tool. It does not provide financial, legal, tax, investment, accounting, or debt counseling advice.

Any reports, projections, balances, or charts generated by the application are for informational and organizational purposes only.

14. Your Privacy Choices

Depending on your location and applicable law, you may have rights to:

  • Access your personal information
  • Correct inaccurate information
  • Request deletion of certain information
  • Request a copy of your data
  • Restrict or object to certain processing
  • Withdraw consent where applicable

To make a privacy request, contact us using the information below.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the effective date above.

Your continued use of Family Budget after changes are posted means you accept the updated Privacy Policy.