KGKV LLC
BudgetBuddy Privacy Policy
Effective date: June 17, 2026 · Last updated: October 12, 2026
BudgetBuddy uses secure cloud storage so couples can share budgets across devices. Your financial data is encrypted in transit and stored in a private Firestore database accessible only by your household.
1. Who We Are
BudgetBuddy is operated by KGKV LLC, a Pennsylvania limited liability company. Contact us at [email protected].
2. What Data We Collect
BudgetBuddy uses Firebase (Google) for cloud sync between household members. The following data is stored in your private Firestore database:
- Email address and display name — used to create and identify your account and link household members.
- Budget and spending data — budget categories, spending limits, and transactions you enter. Stored in your private Firestore database, accessible only to your household.
- Savings goals — goal names, target amounts, and progress. Stored in your private Firestore database.
- Bill reminders — bill names, amounts, and due dates. Stored in your private Firestore database.
- Household membership — which accounts belong to the same household, for shared budget access.
- Receipt photos — if you attach a photo to a transaction (Premium), it's stored in your private Firebase Storage folder, accessible only to the household member who added it.
- Purchase history — processed by RevenueCat and the Apple App Store or Google Play (depending on platform) to verify your Premium subscription.
3. How We Use Your Data
- To sync your budget between household members' devices in real time.
- To authenticate you securely via Firebase Authentication.
- To display spending summaries, alerts, and insights within the app.
- We do not use your financial data for advertising. BudgetBuddy has no ad SDK of any kind, on any plan.
4. AI Features
BudgetBuddy offers two optional, Premium AI features, both of which send data to OpenAI:
- Receipt scanning — if you choose to scan a receipt while adding a transaction, that photo is sent to a Firebase Cloud Function we operate, which forwards it to OpenAI to read the amount, merchant, and category. The photo is used only to answer that one request and is not used to train AI models.
- Spending insights narrative — if you request an AI-written summary on the Spending Insights screen, BudgetBuddy first computes the relevant numbers itself (category totals, unusual spending compared to your own typical month, your household's total income) and sends only those computed figures to OpenAI to phrase into plain language. Your raw transaction list is never sent — OpenAI only ever sees numbers BudgetBuddy already calculated, never the underlying transactions.
Both features are opt-in (you have to tap a button to trigger them) — neither runs automatically. See OpenAI's Privacy Policy for how OpenAI processes data it receives.
5. Financial Data Security
All data is transmitted over encrypted HTTPS connections. Your Firestore database is protected by Firebase Security Rules that restrict access to authenticated members of your household only — and transactions you mark as private are restricted further, to only you. KGKV LLC employees do not access your financial records for any purpose other than responding to a direct support request from you.
BudgetBuddy does not connect to your bank accounts. All transaction data is entered manually by you.
6. What We Do Not Collect
- We do not connect to your bank, credit card, or investment accounts.
- We do not collect Social Security numbers, account numbers, or passwords.
- We do not sell or share your financial data with advertisers or data brokers.
- We do not use any advertising or analytics SDKs — there's nothing in the app that tracks you across other companies' apps or websites.
7. Third-Party Services
- Google Firebase — Authentication, Firestore database, Cloud Functions, and Storage. Firebase Privacy Policy
- OpenAI — receipt scanning and spending-insights narration, described in Section 4. OpenAI Privacy Policy
- RevenueCat — subscription management. RevenueCat Privacy Policy
- Apple App Store and Google Play — payment processing for Premium subscriptions, depending on which platform you install from.
8. Data Retention and Deletion
Your data remains in Firestore as long as your account exists. You can delete your account directly in the app at any time from Settings → Delete Account — it takes effect immediately, no waiting period. If you're part of a two-person household, your own private transactions and data are removed; your partner's own private transactions are preserved for them in a new, separate household rather than deleted along with yours. You can also email [email protected] to request deletion instead.
9. Your Rights
You have the right to access, correct, export, or delete your data at any time. Export your transaction history any time from Settings → Export My Data, or contact [email protected] for any other request. We will respond within 30 days.
10. Children's Privacy
BudgetBuddy is not intended for users under 13 years of age. We do not knowingly collect information from children.
11. Changes to This Policy
We may update this policy from time to time. We will notify you of significant changes via in-app notice. Continued use after changes constitutes acceptance.
12. Contact Us