Privacy Policy

We collect the bare minimum needed to run your budgeting app. We don't track you. We don't sell your data. We don't use analytics. We don't share your information with advertisers. Your financial data is yours. That's it. That's the policy. But if you want the full version, keep reading.

What We Collect

We collect only what we need to make the app work. Nothing more. Here's the complete list:

• • Account info: Your email address and a hashed password. We need these so you can log in. Revolutionary concept, we know.
• • Financial data: Transactions, budgets, categories, and account balances you enter or sync. This is literally the point of the app.
• • Payment info: If you're on a paid plan, our payment processor handles your card details. We never see or store your full card number.
• • Support messages: If you email us, we keep that conversation so we can actually help you.

What We Don't Collect

This is the fun part. Here's everything we deliberately don't do:

• ✗ No analytics scripts. Zero. None. Not Google Analytics, not Mixpanel, not Amplitude, not Hotjar, not Segment. Nothing.
• ✗ No tracking pixels. No Facebook Pixel, no LinkedIn Insight Tag, no TikTok pixel. We don't even know what half of those do.
• ✗ No fingerprinting. We don't collect your screen resolution, browser plugins, fonts, or any other clever way to identify you.
• ✗ No location tracking. We don't know where you are and we don't care.
• ✗ No selling data. Not now. Not ever. Not even "anonymized" data. Not even "aggregated insights." No.
• ✗ No ad networks. We make money from subscriptions, like a normal business.

Don't believe us? View the page source. We'll wait.

Cookies

We use exactly one cookie: your session cookie. It keeps you logged in so you don't have to enter your password every time you click something. That's it.

No advertising cookies. No "preference" cookies that are actually tracking cookies with a nice name. No third-party cookies. One cookie. Session only. It disappears when you log out or close your browser. The way cookies were meant to work before the ad industry ruined everything.

Third Parties

We work with a small number of services to make the app function. Here's every single one:

• • SimpleFIN: Handles bank connections for auto-sync. They use read-only access — they can see your transactions but can never move your money. Your bank credentials are stored with them, not us.
• • Payment processor: Handles credit card payments for paid plans. We never see your full card number.
• • Email service: Sends you transactional emails like password resets and receipts. Not marketing spam.

That's the complete list. No ad networks. No data brokers. No "partners" who want your browsing history.

Data Retention

We keep your data for as long as you have an account. When you delete your account, we delete your data. Not "archive." Not "anonymize and retain for research." Delete. Gone. Nuked from orbit.

The only exception: we may retain records required by law (like payment receipts for tax purposes) for the legally required period. We don't like it either, but that's between you and your government.

Your Rights

Regardless of where you live, we give everyone the same rights. No geofencing your privacy:

• • Access: You can export all your data anytime. CSV or PDF. It's your data.
• • Correction: You can edit any of your data directly in the app.
• • Deletion: One click and everything goes. Account, transactions, budgets, all of it. We don't play the "are you sure? how about now? really really sure?" game.
• • Portability: Export your data and take it wherever you want. We'll even help you leave if you find something better.

GDPR, CCPA, and whatever new privacy law they cook up next — we already go beyond the requirements. Not because we have to, but because it's the right thing to do.

Children's Privacy

WTF Is This Budget is not intended for children under 13. We do not knowingly collect information from children under 13. If you're a parent and you think your kid somehow signed up for a budgeting app (honestly, good for them), contact us and we'll delete the account immediately.

Changes to This Policy

If we change this policy, we'll let you know. Like, actually tell you — via email and a notice in the app. Not buried in a 47-page update that no human would ever read. If we ever make a change that meaningfully affects your privacy, you'll know about it before it takes effect. If you don't agree with the change, you can export your data and leave. No hard feelings.

Contact

Got questions about your privacy? Want to exercise your rights? Just want to tell us we're doing something right for once?

Email us at [email protected]

We respond to privacy requests within 48 hours. Usually faster, because we actually care about this stuff.