Last updated: March 14, 2026 · Effective immediately
👋 Introduction
Budget Utopia ("we," "us," or "our") operates the Budget Utopia mobile application and website. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our services.
By using Budget Utopia, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use our services.
📋 Information We Collect
Information you provide directly:
- Account information: your name and email address (provided via Replit Auth)
- Financial data you enter: budget categories, transaction amounts, savings goals, debt balances, subscription details, and net worth items
- Profile preferences: currency selection, notification settings, and display preferences
- Referral information: referral codes you share or redeem
Information collected automatically:
- Usage data: which features you use, how often you open the app, and interaction patterns (used solely to improve the app)
- Device information: device type, operating system version, and app version for debugging and compatibility purposes
- Push notification tokens: if you enable push notifications
🎯 How We Use Your Information
We use the information we collect to:
- Provide, operate, and improve the Budget Utopia app and its features
- Personalize your experience (your financial dashboard, badge progress, leaderboard ranking)
- Send push notifications you've opted into (streak reminders, bill reminders, goal milestones)
- Process premium subscription payments via RevenueCat (we do not store payment card details)
- Respond to your support requests and feedback
- Maintain security and prevent fraud or abuse
- Comply with legal obligations
We do not use your financial data to train AI models, build advertising profiles, or make automated decisions about your creditworthiness.
🤝 Information Sharing
We never sell your personal data. Period.
We share data only in the following limited circumstances:
- Service providers: We use trusted third parties to operate our services (database hosting, authentication via Replit Auth, payment processing via RevenueCat). These providers are contractually obligated to protect your data.
- Leaderboard: If you participate in the anonymous savings leaderboard, your display name and savings score are shared publicly. No personally identifiable information (email, real name) is ever visible to other users.
- Legal compliance: We may disclose your information if required by law, court order, or to protect the rights and safety of our users.
- Business transfers: In the event of a merger or acquisition, your data may be transferred. We will notify you before any such transfer takes effect.
🔒 Data Security
- All data is encrypted in transit using TLS/HTTPS
- Your financial data is stored in a secured PostgreSQL database with access controls
- Authentication is handled by Replit Auth — we never store your password
- Premium subscription billing is processed by RevenueCat and Apple/Google — we never see or store your payment card details
- We perform regular security reviews and apply patches promptly
While we take strong measures to protect your data, no system is 100% immune to breaches. In the event of a data breach affecting your personal information, we will notify you within 72 hours.
🌍 Data Retention
We retain your account data for as long as your account is active. When you delete your account:
- Your personal data and financial records are permanently deleted within 30 days
- Anonymized, aggregated data (e.g., anonymous leaderboard contributions) may be retained
- Backup copies are purged within 90 days
⚡ Your Rights
You have the right to:
- Access: Request a copy of all personal data we hold about you
- Correction: Request correction of inaccurate personal data
- Deletion: Request deletion of your account and all associated personal data
- Portability: Request an export of your financial data in a machine-readable format
- Opt-out: Disable push notifications at any time in your Profile settings or device settings
- Restriction: Object to or restrict certain types of data processing
To exercise any of these rights, contact us at privacy@budgetutopia.net.
👶 Children's Privacy
Budget Utopia is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us immediately and we will delete it.
🔔 Push Notifications
If you grant permission for push notifications, we may send you:
- Streak reminders (daily activity nudges)
- Bill renewal reminders for subscriptions you've set up
- Goal milestone celebrations
- Weekly budget summaries
You can disable any category of notification in the Profile → Notifications section, or disable all notifications in your device's system settings. Notification tokens are stored securely and are never shared.
🔄 Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by:
- Posting the new policy on this page with an updated effective date
- Sending a push notification or in-app notice for significant changes
Continued use of Budget Utopia after the effective date constitutes acceptance of the updated policy.
📬 Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please reach out: