Privacy Policy

1. Who We Are

Budgy is developed and operated by Akarsh Singh, SD Solutions NC, based in North Carolina, USA (the "Controller," "we," "us," or "our"). We are the data controller responsible for your personal information under applicable privacy law, including the EU General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA/CPRA), Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), and Quebec Law 25.

Our designated Privacy Officer is Akarsh Singh. For all privacy-related inquiries, data subject requests, or concerns, contact us via akarshsingh.com/contact.

2. Data We Collect

We collect only what is necessary for the app to function. No advertising identifiers, no behavioral tracking, no analytics SDKs, and Budgy never connects to your bank or any financial institution.

3. Why We Process Your Data (Lawful Basis)

For EU/EEA users, we process personal data under the following lawful bases (GDPR Article 6):

For US and Canadian users, we process your data as necessary to provide the service you have requested and with your consent where required.

4. How Your Data Is Stored

5. Third-Party Services

We do not sell your data to any third party. None receive your personal or financial information for advertising purposes. Budgy does not integrate with any bank, card network, or financial data aggregator.

6. International Data Transfers

SD Solutions NC is based in the United States (North Carolina). For EU/EEA users, transfers to third-party services are protected as follows:

• Apple: relies on Standard Contractual Clauses (SCCs) and the EU–US Data Privacy Framework.
• Google: relies on SCCs and the EU–US Data Privacy Framework.

For Canadian users, transfers to the United States are made pursuant to PIPEDA's cross-border transfer provisions, with reliance on contractual protections with our service providers.

7. How Long We Keep Your Data

• Active use: Data is stored on your device and in your private iCloud account for as long as you use the app.
• Sign out / data deletion: All data is permanently deleted from your device and iCloud when you delete it via Settings → Delete All Data (or equivalent). iCloud deletion typically propagates within minutes.
• App deletion: Deleting the app removes all local data. iCloud data remains until you delete it first in-app, or via iOS Settings → Apple ID → iCloud → Manage Storage.
• Keychain: Your hashed passcode is deleted when you remove app lock or delete the app. Some iOS versions may retain Keychain items after app deletion; remove these via Settings → Password & Security if needed.

8. Your Privacy Rights

To exercise any right, contact us via akarshsingh.com/contact. We will respond within 30 days (EU: within 1 month per GDPR).

9. Children's Privacy

Budgy is not directed at children. Users must be at least 13 years old (or 16 years old in the EU, per GDPR Article 8). We do not knowingly collect personal information from children under these ages. If you believe a child has provided personal information through Budgy, please contact us immediately via akarshsingh.com/contact so we can delete that information.

10. Contact and Data Requests

We aim to respond to all requests within 30 days.

1. Acceptance of Terms

By downloading, installing, or using Budgy (the "App"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, incorporated herein by reference. These Terms constitute a legally binding agreement between you and Akarsh Singh, SD Solutions NC, North Carolina, USA ("we," "us," or "our"). If you do not agree to these Terms, do not use the App.

2. Eligibility

You must meet the following age requirements to use Budgy:

• United States and Canada: At least 13 years of age.
• European Union / EEA: At least 16 years of age, per GDPR Article 8.
• All other regions: The minimum age required by the laws of your country for consent to digital services, and in no case younger than 13.

By using the App you represent and warrant that you meet the applicable age requirement and that you have the legal capacity to enter into these Terms. If we learn that a user is under the applicable minimum age, we will delete their data promptly.

3. The Service

Budgy is a personal budgeting and expense-tracking application that allows you to:

• Create and manage accounts, categories, and budgets
• Manually log transactions or import them from a CSV file
• Track progress toward savings goals
• Sync your data privately to your iCloud account via CloudKit

Budgy does not connect to your bank, card issuer, or any financial institution, and does not move, hold, or have access to your money. All financial figures in the App are based entirely on data you manually enter or import — we do not verify this data against any external source.

Budgy is provided free of charge with no in-app purchases, subscriptions, or advertising. We reserve the right to introduce paid features in the future; any such change will be communicated with reasonable notice and will not affect existing free features without separate agreement.

We may modify, suspend, or discontinue the App or any of its features at any time, with or without notice. We will not be liable to you for any such modification, suspension, or discontinuation.

4. Your Account

Budgy supports sign-in via Apple ID, Google account, or a local app passcode with Face ID/Touch ID. Where an account or app lock is used:

• You are responsible for maintaining the security of your Apple ID, Google account, app passcode, and device. We are not responsible for loss or damage from unauthorized access to your account or device.
• You may not share your account or use another person's account without their express permission.
• You can delete all your data and terminate your use at any time via in-app data deletion settings, which permanently deletes all data from your device and iCloud account.
• You are solely responsible for backing up your financial data. We strongly recommend keeping iCloud sync enabled, but we are not responsible for data loss from device failure, app deletion, or iCloud account issues.

5. Financial Disclaimer — Not Financial Advice

IMPORTANT — READ BEFORE USE

Budgy is a personal organizational tool, not a financial institution, financial advisor, accountant, or tax preparer, and does not provide financial, investment, tax, accounting, or legal advice of any kind.

You acknowledge and agree that:

• Budgy is for informational and personal organizational purposes only. Nothing in the App constitutes financial, investment, tax, or legal advice, and should not be relied upon as such.
• All budgets, totals, projections, and calculations are based solely on data you enter or import, are provided "as is," and may contain errors due to user input mistakes, CSV parsing limitations, or software defects. We do not guarantee their accuracy.
• You should consult a qualified financial advisor, accountant, or attorney before making significant financial decisions. Budgy is a supplementary tool, not a substitute for professional advice.
• Budgy is not affiliated with, endorsed by, or connected to any bank, credit union, card issuer, or financial institution. We do not access, retrieve, or verify data from any financial institution.
• SD Solutions NC is not responsible for any financial loss, missed payment, overdraft, inaccurate budgeting decision, tax consequence, or other harm arising from your use of, or reliance on, the App.

6. Acceptable Use

You agree not to use Budgy to:

• Violate any applicable law, regulation, or third-party right
• Attempt to reverse engineer, decompile, or disassemble the App
• Import or enter data you do not have the legal right to possess (e.g. another person's financial records without authorization)
• Interfere with or disrupt the App or any third-party services
• Transmit viruses, malware, or harmful code
• Attempt to gain unauthorized access to any system or data
• Use the App for commercial purposes without our written consent

7. Third-Party Services

Budgy integrates with the following third-party services, each governed by their own terms:

• Apple (iCloud, Sign in with Apple, LocalAuthentication): apple.com/legal/terms
• Google (Sign in with Google): policies.google.com/terms

We are not responsible for the content, policies, or practices of any third-party service.

8. Intellectual Property

The App, including its design, code, graphics, and content (excluding your personal data), is owned by Akarsh Singh, SD Solutions NC and protected by intellectual property laws. We grant you a personal, non-exclusive, non-transferable, revocable license to use the App on devices you own or control, solely for your personal, non-commercial use.

Your financial data, notes, and personal information remain entirely yours. We claim no ownership over content you create or import in the App.

9. Disclaimers

The App is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not warrant that the App will be error-free, uninterrupted, or free of harmful components. We do not warrant the accuracy of any budget, total, projection, or calculation displayed, or the accuracy of CSV parsing of bank export files, which vary in format across institutions.

Some jurisdictions do not allow exclusion of implied warranties. In those jurisdictions, the above exclusions apply to the maximum extent permitted by law.

10. Limitation of Liability

To the maximum extent permitted by applicable law, SD Solutions NC and Akarsh Singh shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, loss of profits, financial loss, missed payments, overdraft fees, tax penalties, or other monetary harm, arising out of or related to your use of or inability to use the App, or your reliance on any information displayed within it.

Because Budgy is provided free of charge, our total cumulative liability for any claims arising from your use of the App shall not exceed USD $0 (zero dollars) or the minimum amount permitted by applicable law, whichever is greater.

Nothing in these Terms limits liability for death or personal injury caused by our negligence, fraud, or any liability that cannot be excluded by law. EU and UK consumers retain statutory rights that cannot be waived by these Terms.

11. Indemnification

You agree to indemnify and hold harmless SD Solutions NC and Akarsh Singh from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your misuse of the App, your violation of these Terms, or any financial decision you make based on information entered into or displayed by the App.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of North Carolina, USA, without regard to conflict-of-law provisions.

Before escalating any dispute, please contact us via akarshsingh.com/contact to seek an informal resolution.

Any legal action shall be brought exclusively in the state or federal courts of Wake County, North Carolina, USA, and you consent to personal jurisdiction therein.

EU/EEA consumers: Nothing in these Terms affects your right to bring proceedings in your country of residence or rely on mandatory consumer protection provisions of your local law. You may also use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

Canadian consumers: Nothing in these Terms limits your rights under applicable Canadian provincial consumer protection legislation.

13. Changes to These Terms

We may update these Terms from time to time. For material changes, we will update the "Last updated" date and, where practicable, provide notice within the App at least 30 days before changes take effect. Continued use after the effective date constitutes acceptance. If you do not agree to updated Terms, stop using the App.

14. Contact