Privacy Policy

Last updated: August 14, 2026 · Applies to the BetterBudget web and mobile apps.

What we collect

Your email address and authentication credentials (we store only salted password hashes and passkey public keys); financial transactions you import or connect (via CSV upload, manual entry, or Plaid bank connections); budgets, bills, notes, and tags you create; conversations you have with the assistant; and notification contact details you opt into (email address, phone number).

How your data is protected

All traffic is encrypted in transit (TLS). Databases are encrypted at rest, and particularly sensitive fields (MFA secrets, contact addresses, bank-connection identifiers) carry an additional layer of application-level AES-256 encryption. We never see or store your bank username or password, bank connections use Plaid, and the resulting access tokens are held in a secrets vault, not our application database.

What we never do

We do not sell your data. We do not share your financial data with advertisers. We do not use third-party advertising or tracking analytics.

To understand which features are useful, we record first-party product usage events (for example, that a budget was edited or a page was viewed) tied to your account. These events never include your financial data or free-form text, never leave our systems, and are never shared or sold. You can turn this off any time in Settings → Privacy.

Service providers (subprocessors)

Plaid (bank connections), Anthropic and OpenRouter (AI assistant processing), Stripe and RevenueCat (payments and subscriptions), Cloudflare (network security), and our hosting providers (Vercel, Fly.io, Neon). Each receives only what it needs to provide its function.

AI assistant

When you chat with the assistant, your question and relevant summaries of your financial data are processed by our AI providers to generate the answer. Conversations are stored in your account so you can revisit them, and you can delete any conversation at any time.

Your rights

You can export your data, delete individual conversations, disconnect bank connections, and delete your entire account (Settings → Delete account, or in the mobile app). Account deletion revokes bank connections and permanently purges your data.

Your rights: United States (CCPA/CPRA and similar state laws)

You may request to know, correct, or delete the personal information we hold, and to receive a portable copy (Settings → Download my data does this instantly). We do not sell or share personal information for cross-context behavioral advertising, so there is nothing to opt out of. We will never discriminate against you for exercising these rights. Requests: privacy@getbetterbudget.com.

Your rights: Canada (PIPEDA)

We collect, use, and disclose personal information only with your meaningful consent and for the purposes described here. You may withdraw consent (disconnect banks or delete your account at any time), access the information we hold (Settings → Download my data), and challenge its accuracy. Complaints may be directed to our privacy contact below and to the Office of the Privacy Commissioner of Canada.

Contact

privacy@getbetterbudget.com