Privacy Policy

Last updated: June 7, 2026

BudgeFlow ("BudgeFlow", "we", "us", or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you use our website, application, SMS services, and related services.

Information We Collect

We may collect account information such as your name, email address, phone number, login information, workspace settings, billing status, and preferences.

We also collect information you provide while using BudgeFlow, including expenses, income, budgets, goals, categories, accounts, subscriptions, reminders, SMS commands, SMS replies, uploaded receipt or transaction information, and other budgeting-related records.

When you communicate with BudgeFlow by SMS, we may collect your mobile phone number, message content, opt-in and opt-out status, message timestamps, delivery status, and related messaging records.

How We Use Information

We use information to operate, maintain, and improve BudgeFlow.

This includes creating and managing your account, recording expenses and income, categorizing transactions, sending budgeting reminders, generating summaries and reports, responding to support requests, processing billing, preventing fraud or abuse, and complying with legal obligations.

We may use aggregated or anonymized information to understand product usage and improve our services. Aggregated or anonymized information does not identify you personally.

SMS Communications

If you opt in to receive SMS messages from BudgeFlow, we may send you two-factor authentication (2FA) codes, account notifications (including budget alerts, expense notifications, bill reminders, goal updates, and subscription or billing notifications), and customer care messages in response to your inbound SMS commands or support requests. BudgeFlow does not send marketing, promotional, or advertising SMS messages.

Message frequency may vary. Message and data rates may apply. You may opt out of SMS messages at any time by replying STOP. You may request help at any time by replying HELP, or by emailing support@budgeflow.com.

Consent to receive SMS messages is not a condition of purchase or use of BudgeFlow.

Mobile Information Sharing

No mobile information (including phone numbers and SMS opt-in data and consent) will be shared with third parties or affiliates for marketing or promotional purposes.

All categories exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties.

How We Share Information

We do not sell your personal information. We may share information only with service providers that help us operate BudgeFlow, such as hosting providers, database providers, payment processors, email providers, SMS providers, analytics providers, and security services. These providers are only allowed to use information as needed to provide services to us.

We may also disclose information if required by law, to protect our rights, to prevent fraud or abuse, or in connection with a business transfer such as a merger, acquisition, or sale of assets.

Data Security

We use reasonable administrative, technical, and organizational safeguards to help protect your information. Data is protected in transit and at rest where supported by our service providers. Workspaces are designed to keep customer data separated.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Data Retention

We retain information for as long as necessary to provide BudgeFlow, comply with legal obligations, resolve disputes, enforce agreements, maintain security, and support legitimate business purposes.

SMS opt-in, opt-out, consent, and messaging records may be retained as needed to document compliance with messaging requirements.

Your Choices

You may update certain account information in your BudgeFlow account. You may opt out of SMS messages by replying STOP. You may request SMS support by replying HELP.

You may also contact us to request access, correction, or deletion of certain personal information, subject to legal and operational limitations.

Children's Privacy

BudgeFlow is not intended for children under 13. We do not knowingly collect personal information from children under 13.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new "Last updated" date.

Contact Us

Questions about this Privacy Policy? Contact us.

Website: https://budgeflow.com