Privacy Policy

We collect the following types of information: Account Information: • Email address • Name (optional) • Password (securely stored with hash) Financial Data: • Transactions you enter manually • Data extracted from screenshots or PDFs • Categories and budgets you set up • Savings goals Usage Data: • How you interact with the application • Preferences and settings • Device information (for technical support)

Budget Copilot is designed with privacy by default: • Your financial data is processed locally on your device when possible • Screenshots and PDFs are analyzed locally before uploading • We only send minimal data to our servers when necessary • We do not store your bank credentials - we never ask for them

We use your information to: • Provide and improve the financial management service • Generate personalized analysis and recommendations • Send important notifications about your account • Detect and prevent fraud or misuse • Comply with legal obligations We do NOT use your information to: • Sell it to third parties • Show personalized advertising based on your finances • Share it with banks or financial institutions without your consent

We protect your data through: • Encryption in transit (TLS/HTTPS) • Encryption at rest for sensitive data • Passwords stored with secure hashing algorithms (bcrypt) • Session tokens with automatic expiration • Secure servers with restricted access • Regular security audits Your data is stored on servers located in [location TBD], complying with international data protection standards.

We only share your information in the following cases: • With your consent: When you explicitly authorize us • Service providers: Companies that help us operate (payment processors, hosting), under strict confidentiality agreements • Legal requirements: When the law requires us to disclose information • Rights protection: To protect the safety of users or third parties We never sell your personal or financial information to third parties.

You have the right to: • Access: Request a copy of your personal data • Rectification: Correct inaccurate or incomplete data • Deletion: Request that we delete your data • Portability: Export your data in a readable format • Objection: Object to certain uses of your data • Restriction: Restrict the processing of your data To exercise these rights, contact us at privacy@budgetcopilot.app

We keep your data while your account is active. After deleting your account: • Personal data is deleted within 30 days • Some anonymized data may be retained for statistical analysis • Data required by law is retained according to applicable legal deadlines You can request complete deletion of your data at any time.

We use essential cookies to: • Keep your session active • Remember your preferences • Ensure the security of your account We do not use advertising tracking cookies or share data with advertising networks.

Budget Copilot is not intended for individuals under 18 years of age. We do not intentionally collect information from minors. If we discover that we have collected data from a minor, we will delete it immediately.

We may update this policy occasionally. We will notify you of significant changes by email or through a notice in the application before they take effect.

For privacy questions or to exercise your rights: Email: privacy@budgetcopilot.app Address: Panama City, Panama We will respond to your request within a maximum of 30 days.