Legal

Privacy Policy

Last updated: June 28, 2026

The short version: Budgsy works fully offline by default. If you create an account, your expenses, bills, transactions, and splits sync securely to our cloud database so you can access them across devices. We never sell your data or use it for advertising.

1. Who we are

Budgsy ("we", "us", "our") is a mobile application developed and operated by INNCODEV PVT. LTD. If you have any questions about this policy, contact us at hello@budgsy.com.

2. What data we collect

You can use Budgsy entirely without an account — in that mode, everything you enter (expenses, bills, transactions, split data) is stored only on your device and never leaves it.

If you choose to create an account (email and password), Budgsy syncs the following data to our cloud database so it's available across your devices and survives reinstalling the app:

Account info: your email address and display name.
Financial tracking data: the expenses, bills, payment history, and one-off transactions you enter in the app.
Split data: group split details, expenses, and member names for any splits you create or join.
App preferences: your default currency, monthly income figure, and country, used to personalize the app.

We may also collect:

Contact form submissions: If you contact us via the website contact form, we collect your name, email address, and message content solely to respond to your inquiry.
Crash reports: Anonymous crash and error data may be collected via the platform's built-in crash reporting (Apple App Store / Google Play) to help us fix bugs. This data does not include your financial information.
In-app purchase data: Subscription payments are processed entirely by Apple (App Store) or Google (Play Store), and validated through RevenueCat (see section 9). We do not receive or store your payment card details.

3. Sharing splits via a link

If you use Budgsy's "Share split" feature, that split's details (expenses, member names, settlement amounts) become accessible to anyone who has the link, without needing a Budgsy account. Only share split links with people you trust to see that information.

4. What we don't do with your data

We do not connect to your bank or financial accounts — Budgsy is a manual tracking tool
You're never required to create an account to use the app's core features
We do not sell your data to third parties
We do not use your data for advertising purposes
We do not track your location

5. Local notifications

Budgsy uses your device's local notification system to deliver bill reminders. These notifications are scheduled entirely on your device and do not involve any communication with our servers. You can disable notifications at any time in your device settings.

6. In-app purchases and subscriptions

Budgsy offers optional paid subscriptions processed through Apple App Store and Google Play Store, and managed via RevenueCat for entitlement validation. We do not have access to your payment card information. All billing, subscription management, and cancellation is handled directly by Apple or Google under their respective terms and privacy policies. Your subscription status is tied to your device/App Store account, not to your Budgsy account.

7. Children's privacy

Budgsy is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us at hello@budgsy.com and we will promptly delete it.

8. Data security

Data stored only on your device depends on your device's own security settings — we recommend using a device PIN, Face ID, or Touch ID. Data synced to our cloud database is protected using industry-standard encryption in transit and at rest, and access is restricted to your own account via row-level security — no other user, including us, can read your synced financial data through the app.

9. Your rights

If you've never created an account, you can exercise all data rights yourself by uninstalling the app or clearing app data — nothing of yours exists on our servers.

If you have an account, you can permanently delete it — along with all synced data — at any time from within the app (Profile → Danger Zone → Delete account). This is irreversible. Note that deleting your account does not cancel an active subscription, which is billed independently through Apple or Google and must be cancelled separately through your device's subscription settings.

For any data you've provided to us directly (e.g. via email), you may request access or deletion by emailing hello@budgsy.com.

10. Third-party services

Budgsy may use the following third-party services which have their own privacy policies:

Apple App Store — for iOS distribution and in-app purchases
Google Play Store — for Android distribution and in-app purchases
Supabase — our cloud database and authentication provider, used to store synced account data for users who choose to sign in
RevenueCat — used to validate and manage subscription entitlements across Apple and Google's purchase systems
Expo (by Expo.dev) — the development framework used to build the app, including delivery of local push notifications

11. Changes to this policy

We may update this Privacy Policy from time to time. When we do, we'll update the "Last updated" date at the top. For material changes, we will notify users via an in-app notice. Continued use of Budgsy after changes constitutes acceptance of the updated policy.

12. Contact us

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

Email: hello@budgsy.com
Website: budgsy.com