Privacy Policy

At EnvelopeBudget.com ("we," "us," or "our"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website (https://envelopebudget.com), sign up for our services, or use our budgeting application. By using our website or services, you agree to the terms of this Privacy Policy.

1. Information We Collect

We collect the following types of information:

1.1 Information You Provide

• Sign-Up Information: When you create an account at https://envelopebudget.com/signup/, we collect your email address. No credit card or additional personal information is required for the 92-day free trial.
• Account Information: If you subscribe to our paid plans (e.g., $4/month, $40/year, or Founders Special), we may collect billing information (e.g., payment method details) through our third-party payment processor.
• Financial Information: When you use our budgeting tools, you may provide financial data, such as bank account or credit card transactions, to categorize spending and manage virtual envelopes. This data is stored securely and used solely for budgeting purposes.
• User-Provided Content: Optional information, such as feedback, support requests, or blog comments (if enabled), may include personal details you choose to share.

1.2 Automatically Collected Information

• Usage Data: We collect information about how you interact with our website and services, such as pages visited, clicks, and feature usage, through analytics tools (e.g., Google Analytics or Plausible).
• Device and Log Data: We collect technical information, including IP address, browser type, device type, operating system, and access times, to improve performance and security.
• Cookies and Tracking Technologies: We use cookies to store preferences (e.g., light/dark mode settings) and track usage for analytics. You can manage cookie preferences via your browser settings.

1.3 Information from Third Parties

• Bank and Card Data: If you connect bank accounts or credit cards to our service, we receive transaction data from third-party financial institutions (e.g., via secure APIs) to facilitate budgeting.
• Payment Processors: Our third-party payment processor collects and processes billing information for paid subscriptions but does not share this data with us beyond confirmation of payment.

2. How We Use Your Information

We use your information to:

• Provide and improve our budgeting services, including transaction categorization, envelope allocation, and markdown report generation.
• Process account creation and manage subscriptions (e.g., free trial, Founders Special).
• Send transactional emails, such as account activation links or payment confirmations.
• Analyze usage patterns to enhance user experience and optimize our website.
• Ensure security, prevent fraud, and comply with legal obligations.
• Respond to support requests or feedback you submit.

3. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share your information in the following cases:

• Service Providers: We share data with trusted third-party providers (e.g., email services like SendGrid, payment processors, or hosting platforms like Netlify) to deliver our services. These providers are contractually obligated to protect your data.
• Legal Compliance: We may disclose information if required by law, such as to comply with a subpoena, court order, or regulatory requirement.
• Business Transfers: If EnvelopeBudget.com is involved in a merger, acquisition, or asset sale, your information may be transferred as part of the transaction, with notice provided as required by law.

4. Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of sensitive data (e.g., financial information) in transit (HTTPS) and at rest.
• Secure storage of email addresses and financial data in compliance with GDPR and CCPA.
• Regular security audits and updates to our infrastructure.
• Sanitization of form inputs (e.g., sign-up form) to prevent injection attacks.

Despite our efforts, no system is completely secure. If you suspect unauthorized access to your account, contact us immediately at support@envelopebudget.com.

5. Your Rights and Choices

Depending on your location, you may have the following rights under data protection laws (e.g., GDPR, CCPA):

• Access: Request a copy of the personal information we hold about you.
• Correction: Request corrections to inaccurate or incomplete data.
• Deletion: Request deletion of your account and associated data.
• Opt-Out: Opt out of non-essential data processing, such as analytics cookies.
• Data Portability: Request your data (e.g., markdown reports) in a structured, machine-readable format.

To exercise these rights, contact us at support@envelopebudget.com. We will respond within the timeframes required by law (e.g., 30 days for GDPR, 45 days for CCPA).

You can also:

• Manage cookie preferences via your browser settings.
• Unsubscribe from marketing emails (if any) using the link in the email footer.

6. Data Retention

• Account Data: We retain your email address and financial data as long as your account is active or as needed to provide services (e.g., during the 92-day free trial or paid subscription).
• Inactive Accounts: If your account is inactive for 12 months, we may delete your data unless required to retain it for legal purposes.
• Analytics Data: Usage data is retained in anonymized form for up to 24 months for performance analysis.

7. Third-Party Services

Our website and services may include links to third-party sites (e.g., https://v2.envelopebudget.com for legacy login or payment processors). These third parties have their own privacy policies, and we are not responsible for their practices. Review their policies before providing personal information.

8. International Data Transfers

EnvelopeBudget.com operates globally, and your data may be processed in countries outside your region (e.g., the United States). We ensure that any international data transfers comply with applicable laws, such as GDPR's Standard Contractual Clauses, to protect your privacy.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected data from a minor, contact us at support@envelopebudget.com, and we will take steps to delete it.

10. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. We will notify you of significant changes via email or a notice on our website at least 30 days before they take effect. The "Last Updated" date at the top indicates the latest version.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us at:

For GDPR or CCPA inquiries, include "Privacy Request" in the subject line. We aim to respond within 7 business days.

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This Privacy Policy is provided in compliance with applicable data protection laws, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).