Privacy Policy

Last updated: March 20, 2026

This Privacy Policy describes how BudgetWise collects, uses, and protects your personal information. We are committed to protecting your privacy and handling your data responsibly. Your trust is important to us, and we want you to feel confident using our household budgeting and expense management services.

Information We Collect

We collect information in several ways to provide and improve our services. When you create an account, we collect personal details such as your name, email address, and phone number. We also gather information about your household financial situation, including income levels and expense categories, to help you better understand your monthly spending patterns.

As you use our platform, we automatically collect usage data such as pages visited, features accessed, and time spent on our site. We collect information about your device, including browser type and operating system, to ensure our services work properly across different devices. We also use cookies and similar technologies to track your browsing behavior and preferences.

How We Use Your Information

We use your personal information to provide our budgeting and expense management services. Your data helps us create personalized spending frameworks and track your fixed versus variable costs effectively. We use your information to send you updates about your account, respond to inquiries, and provide customer support regarding Belanjawanku awareness and family financial planning features.

We analyze usage data to improve our services, develop new features, and enhance user experience. This information helps us understand how you use our monthly spending tools and optimize our platform accordingly. We may use your data for security purposes, including detecting fraudulent activities and protecting against unauthorized access. With your consent, we may also send you promotional emails about relevant financial planning resources.

Your Privacy Rights

You have the right to access, update, and delete your personal information at any time. You can request a copy of all data we hold about you in a portable format. You have the right to object to our processing of your information for marketing purposes, and we will respect your preferences immediately.

You can withdraw your consent for certain types of data processing without affecting the legality of processing before withdrawal. You have the right to lodge a complaint with relevant data protection authorities if you believe we have mishandled your information. We will respond to all requests within 30 days and work with you to resolve any concerns about your privacy.

Cookies and Tracking Technologies

We use cookies to enhance your browsing experience and remember your preferences. Essential cookies are necessary for our website to function properly, including session management and security features. Performance cookies help us understand how you interact with our site, allowing us to improve loading times and user interface elements.

Functional cookies remember your preferences and settings, so you don’t have to reconfigure them on each visit. Marketing cookies track your activity to show you relevant content and advertisements. You can control cookie settings through your browser preferences, though disabling some cookies may affect the functionality of our services.

Data Security and Protection

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, and disclosure. Your data is encrypted during transmission using secure socket layer (SSL) technology. We maintain secure servers with firewalls and intrusion detection systems to safeguard your information.

Our staff members who handle your data are trained in data protection and privacy principles. We conduct regular security audits and updates to maintain the highest protection standards. However, no transmission over the internet is completely secure, and we cannot guarantee absolute security of your information.

Third-Party Sharing

We do not sell, trade, or rent your personal information to third parties without your explicit consent. We may share information with trusted service providers who assist us in operating our website and conducting our business, such as payment processors and analytics providers. These partners are bound by confidentiality agreements and are prohibited from using your information for any purpose other than providing services to us.

We may disclose your information if required by law or legal process, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others. In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, and we will notify you of any such change.

Data Retention

We retain your personal information only for as long as necessary to provide our services and fulfill the purposes outlined in this policy. Account data is retained for the duration of your active account and for a reasonable period afterward to comply with legal obligations. Usage and analytics data may be retained in aggregated form for longer periods to improve our services.

You can request deletion of your account and associated personal data at any time. Upon deletion, we will remove your information from our active systems within 30 days, though backup copies may be retained for legal compliance for an additional period.

Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, and other factors. We will notify you of any material changes by posting the updated policy on our website and updating the “Last updated” date. Your continued use of our services after changes become effective constitutes your acceptance of the updated Privacy Policy.