Budgitin Privacy Policy

1. Introduction

Welcome to Budgitin. We are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our website, applications, and financial management services ("Services").

By accessing or using Budgitin, you agree to the practices described in this policy.

Certain features may vary depending on geographic region, third-party service availability, or regulatory requirements. For additional details, please review our Financial Disclaimer and Regional Availability Notice.

2. Information We Collect

• Account Information: Name, email address, username, encrypted password.
• Financial Information: Income, expenses, budgets, savings goals, and other financial details that you voluntarily enter into Budgitin. This information is processed within Budgitin's secure application infrastructure to enable budgeting and financial tracking features.
• Technical Information: IP address, device type, operating system, browser type, and usage activity.
• Cookies & Analytics: Data collected through cookies and similar technologies to improve functionality and user experience.

3. Legal Basis for Processing

We process your personal information based on:

• Your consent.
• The performance of a contract (providing our Services).
• Compliance with legal obligations.
• Legitimate interests such as improving security and platform performance.

4. How We Use Your Information

• To create and manage your account.
• To provide budgeting and financial tracking tools.
• To improve performance, security, and usability.
• To communicate service-related updates.
• To comply with legal and regulatory requirements.
• To generate budgeting insights, financial summaries, and calculator-based estimates based on information you manually provide.

5. Automated Processing and Insights

Budgitin may use automated systems and algorithms to analyze financial data that users voluntarily enter into the platform. This processing may generate summaries, financial insights, budgeting observations, or spending trend indicators.

These automated processes are designed to help users better understand their financial habits. They do not constitute financial, tax, investment, or legal advice.

6. Financial Tools Disclaimer

Budgitin provides budgeting tools, tax estimators, loan calculators, and other financial utilities intended to assist users in understanding and organizing their financial information.

These tools rely on information manually entered by users and provide indicative calculations or estimates only. They are not automated financial advisory services and should not be relied upon as professional financial, tax, investment, or legal advice.

Users are encouraged to consult a qualified financial advisor, accountant, or relevant professional before making financial decisions.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience. You may manage cookies through your browser settings. For more details, please review our Cookie Policy.

8. Data Sharing and Disclosure

We do not sell your personal information. We may share data with:

• Service Providers: Infrastructure providers such as hosting, analytics, security monitoring, and financial data connectivity partners operating under strict confidentiality agreements.
• Legal Authorities: When required by law or to protect rights and safety.
• Business Transfers: In case of merger or acquisition.

Budgitin does not sell personal data to third parties for advertising or commercial marketing purposes.

9. Data Retention and Account Deletion

We retain personal data only as long as necessary to provide our Services and comply with legal obligations.

If you choose to delete your account, identifiable personal data will be removed or anonymized within a reasonable period, except where retention is required for legal, regulatory, or dispute resolution purposes.

10. Security Measures

We implement industry-standard security measures including:

• Encrypted data transmission (HTTPS/TLS).
• Secure storage and processing of user-provided data within protected application systems.
• Access controls and role-based permissions.
• Regular monitoring for unauthorized access.

While we take strong precautions, no system can guarantee absolute security.

Because Budgitin processes financial information provided by users, we implement safeguards designed to maintain the confidentiality, integrity, and availability of such data.

11. Mobile Device Permissions

If you use Budgitin's mobile application, certain features may request device permissions such as SMS access, notifications, or storage access in order to enable automated transaction detection or related functionality.

These permissions are optional and can be managed or revoked through your device settings at any time.

12. Your Privacy Rights

• Request access to your personal data.
• Request correction or deletion.
• Request data portability (where applicable).
• Withdraw consent for specific processing activities.

Contact us at support@budgitin.com to exercise these rights.

13. International Data Transfers

Budgitin is operated from Sri Lanka and may store or process data in other jurisdictions. We ensure appropriate safeguards are applied in accordance with applicable data protection laws.

14. Children's Privacy

Budgitin is not intended for individuals under the age of 13. We do not knowingly collect personal information from minors.

15. Data Breach Notification

In the event of a data breach that affects your personal information, we will take appropriate steps to investigate, mitigate risks, and notify affected users in accordance with applicable laws.

16. Policy Updates

We may update this Privacy Policy periodically. Updates will be reflected with a revised "Last Updated" date. Continued use of our Services indicates acceptance of the updated policy.

17. Contact Us

If you have any questions about this Privacy Policy, please contact:

Budgitin
Colombo, Sri Lanka
Email: support@budgitin.com