Privacy Policy
Privacy Policy for Liberty Budget
Last Updated: February 17, 2026
1. Introduction

Liberty, LLC ("we," "our," or "us") operates libertybudget.app. This Privacy Policy explains how we collect, use, and protect your personal information.

When we say "privacy-first," we mean: we do not sell your data, we do not share your data with advertisers, we minimize what we collect, and we only store the information needed to run the app.

2. Information We Collect

We collect the following information:

  • Email address (when you create an account)
  • Financial transaction data you choose to upload (CSV files)
  • Basic usage and technical data (for example, browser/device info and server logs used to operate and secure the service)
  • Payment information (processed securely by Stripe; we never store your card details)

We do not collect or store your online banking credentials. Liberty Budget does not continuously sync to your bank.

3. How We Use Your Information

We use your information to:

  • Provide and maintain the Liberty Budget service
  • Process your subscription payments
  • Send important account updates
  • Improve our service
  • Respond to your support requests

We only access account-level user data for technical support when you explicitly request help.

4. Data Security

Your security is our priority:

  • Data is encrypted in transit when accessed over HTTPS/TLS
  • Sensitive transaction details are encrypted at rest in our database
  • We never connect to your bank accounts
  • Your transaction data is only visible to you
  • Passwords are hashed using industry-standard algorithms
5. Data Sharing

We never sell your data to third parties.

We do not share your data with advertisers.

Our current service providers are:

  • Railway (hosting and infrastructure)
  • Stripe (payment processing only, if you subscribe)

We do not provide transaction data to data brokers, advertisers, or analytics resale providers.

6. Access Logging and Audit Controls

Any administrative access to user data for support or operational reasons is logged and auditable. We review access records to help prevent unauthorized use.

7. Your Rights

You have the right to:

  • Access your personal data
  • Export your data
  • Correct inaccurate information
  • Request deletion of your account and all associated data at any time
  • Opt out of marketing emails

To exercise these rights, email support@libertybudget.app.

8. Data Retention

We retain your data for as long as your subscription is active.

If your free trial expires without upgrading, or if you cancel your subscription, we retain your account and associated data for 90 days. This grace period allows you to return and resubscribe without losing your history.

After 90 days of inactivity, your account and all associated data — including transactions, categories, savings goals, and import history — are permanently and securely deleted from our systems. This deletion is irreversible.

You will receive one email notification 7 days before permanent deletion occurs.

If you wish to delete your account before the 90-day period, you may request immediate deletion by emailing support@libertybudget.app. We will process your request within 48 hours.

9. Encryption and Data Access

Your transaction data is encrypted using industry-standard encryption before it is stored on our servers. The encryption key is derived from your password.

This means Liberty Budget employees cannot read your transaction descriptions or amounts. We store encrypted ciphertext. Without your password, your financial data is mathematically unreadable — by anyone, including us.

We do store unencrypted metadata necessary for the app to function, such as transaction dates, categories, and account identifiers.

10. What We Do Not Do
  • We do not sell your data to third parties.
  • We do not share your financial data with advertisers.
  • We do not connect to your bank account or store your banking credentials.
  • We do not retain your raw CSV files after processing.
  • We do not serve ads inside Liberty Budget.
  • We do not keep your data after you leave. After 90 days of inactivity, everything is permanently deleted.
11. AI and Model Training

We do not use your transactions to train AI models, and we do not sell usage insights derived from your personal transaction data.

12. Cookies

We use cookies only for:

  • Keeping you logged in
  • Remembering your preferences

You can disable cookies in your browser, but some features may not work.

13. Children's Privacy

Liberty Budget is not intended for users under 18. We do not knowingly collect data from children.

14. International Users

Your data may be processed in Michigan, United States. By using Liberty Budget, you consent to this transfer.

15. Changes to This Policy

We may update this policy occasionally. We'll notify you of significant changes via email.

16. GDPR Rights (for EU users)

If you're in the EU, you have additional rights under GDPR, including:

  • Right to access your data
  • Right to rectification
  • Right to erasure ("right to be forgotten")
  • Right to data portability
  • Right to object to processing

Contact us to exercise these rights.

17. CCPA Rights (for California users)

California residents have the right to:

  • Know what personal information we collect
  • Know if we sell personal information (we don't)
  • Request deletion of personal information
18. Contact Us

Questions about this Privacy Policy?