Privacy Policy

Effective Date: February 5, 2026

BudgetMule ("we", "us", "our") operates from Ontario, Canada. This Privacy Policy explains how we collect, use, and protect your information when you use BudgetMule.

1. Information We Collect

Account Information

• Email address
• Password (stored securely using salt and hashing)

Financial Information You Provide

BudgetMule allows users to upload or enter financial information voluntarily, including:

• Banking statements
• Transaction data
• Account balances
• Budget categories
• Financial projections

Technical Information

• IP address
• Essential cookies (for login sessions and functionality)

We do not use advertising trackers or third-party analytics tools.

2. How We Use Your Information

• Provide budgeting and tracking functionality
• Secure user accounts
• Maintain platform integrity
• Prevent fraud or abuse

3. Data Sharing

We do not sell, rent, or share your personal or financial information with third parties.

Information may only be disclosed if required by law.

4. Data Security

We implement reasonable technical safeguards including password hashing and secure HTTPS connections. We strongly recommend you do not use the same password as your online bank accounts.

5. Data Retention

Your data is retained while your account remains active. You may request account deletion at any time by signing into your account, navigating to Settings, and requesting an account deletion.

6. Cookies

BudgetMule uses essential cookies strictly for authentication and core functionality.

7. Age Restriction

BudgetMule is intended for users aged 13 years or older.

8. Canada & U.S. Users

BudgetMule operates from Ontario, Canada. Your data is governed by Canadian privacy laws, including PIPEDA.

9. Your Rights

• Request access to your data
• Request correction of inaccurate information
• Request deletion of your account

10. Updates

We may update this Privacy Policy periodically. Continued use of the platform indicates acceptance of the updated policy.