Privacy Policy

Updated on 16 Mar 2023

Overview

This policy describes the types of information Fresh Budgets, LLC (“Fresh Budgets,” “Company,” “We,” or “Us”) may collect from you or that you may provide when you visit and utilize the budgeting software available through our apps, software, and the website freshbudgets.com (collectively, our “Application”). This includes our practices for collecting, using, maintaining, protecting, and disclosing that information and the basis for doing so.

This policy applies to information we collect on the Application, in email, text and other electronic messages between you and this Application and, through mobile and desktop applications you download from this Application or other services (such as the iOS App Store or Google Play Store), which provide dedicated non-browser-based interaction between you and this Application.

We reserve the right to make changes to this privacy policy at any time by giving notice on this page and/or within this Application and/or sending a notice to you via any contact information available to us. It is strongly recommended to check this page often, referring to the date of the last modification listed at the top.

Collection and Use of Personal Data

Fresh Budgets relies on a number of legal bases to collect, use, share, and otherwise process the information we have about you for the purposes described in this Privacy Policy. Generally, this includes analytics, user database management, managing support and contact requests, transaction aggregation, hosting and backend infrastructure and infrastructure monitoring.

We process data:

  • in order to provide the services and fulfill our obligations pursuant to the Terms of Service. For example, we cannot provide our services without an email address to sign into your account, conduct customer support, or send educational materials; we cannot provide the service without users providing financial information on which a budget is based;
  • where necessary to comply with a legal obligation, a court order, or to exercise and defend legal claims;
  • to protect your vital interests, or those of others, such as in the case of emergencies;
  • where you have made the information public;
  • where necessary in the public interest;
  • where necessary for the purposes of Company’s or a third party’s legitimate interests, such as those of visitors, members or partners;
  • where you provide consent (for example, to join email mailing lists).

We also process your data based on our legitimate interest in:

  • providing a quality service and in improving that service;
  • ensuring the services are secure;
  • protection against fraud, spam and abuse, etc.;
  • understanding how clients and visitors interact with our websites and services, so that we can continuously improve the experience and effectiveness of doing so.

Categories of data we collect

We collect information about you, including information that directly or indirectly identifies you, through your use of Fresh Budgets. We do so:

  • when you provide the information, through filling out forms or otherwise providing information on our Application;
  • when we connect to financial institutions and aggregation services in order to retrieve transaction data on your behalf;
  • when you correspond with us to receive customer support via email or chat.

The data we collect includes:

  • Your email address that you provide to us as a username, or that is provided to us by your social media account(s) if you use those for sign-in.
  • Your IP address when you interact with our Application.
  • When you choose to directly link financial accounts and aggregation services to Fresh Budgets, your login credentials (including usernames and passwords) for the accounts you link to our services, account security and/or challenge questions for those accounts, and other information (including account names, balances, transactions and holdings).
  • Records and copies of your correspondence (including email addresses different than that used to establish your account), if you contact us.
  • Your responses to surveys that we might ask you to complete for research purposes.
  • Details of transactions you carry out through our Application and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Application.
  • Information that you provide by filling in forms on our Application. This includes information provided at the time of registering to use our Application, subscribing to our service, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Application.
  • To provide you with customer support or service offerings, including responding to and resolving your inquiries and requests via email or text-based chat. When you request assistance from our customer support team with respect to importing third-party financial account data, to allow a customer support representative to review a limited amount of data from your accounts, including account names and recent transactions for the sole purpose of facilitating technical implementation of the account aggregation services. When asked to do so by you, our customer support representative may utilize that transaction data on your behalf in interactions with third-party financial account providers intended to facilitate implementation of requested account aggregation within our services.

Cookies & Technical Data

Fresh Budgets collects information as visitors and clients browse and interact with the Application.

Here are a few things to note:

  • Cookies help us improve your experience, like keeping you logged in or remembering certain preferences.
  • Cookies help us analyze our site usage and improve our marketing.

Recipients of Personal Data

We don’t sell, trade, or disseminate your data.

We share data to fulfill the purposes for which you provide it; to enforce or apply our Terns of Service, including billing. We may disclose or transfer personal information that we collect or you provide as described in this privacy policy:

  • To contractors, service providers, and other third parties we use to support our business, in particular providing infrastructure and analytics services, and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
  • With respect to aggregating your banking and other financial accounts, you or we will transmit your account credentials to third-party aggregation service providers to link, gather and maintain your account balances, transactions, and holdings used to provide our services.
  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us about our Application users is among the assets transferred.
  • To fulfill the purpose for which you provide it.
  • In aggregated form, and/or information that does not identify any individual.
  • For any other purpose disclosed by us when you provide the information.
  • With your consent.
  • To other users on shared accounts. For example, when you create or join an account with other users, you authorize us to share budgets, transactions, settings, and other associated data with the other users on the shared account. Those users may also view certain information about you, including your first name and email address.

We may also disclose your personal information:

  • To comply with any court order, law or legal process, including to respond to any government or regulatory request.
  • To enforce or apply our Terns of Service and other agreements, including for billing and collection purposes.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Fresh Budgets, LLC, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Categories of third-party providers

Categories of services used to process data include:

Infrastructure & Fulfillment

Fresh Budgets partners with third-parties to provide storage and server access that acts as infrastructure for our Application. In addition, we partner with third-parties to fulfill payments and transactions in fulfillment of our terms.

Integrations

Fresh Budgets retrieves financial information from publicly available APIs and websites using your credentials.

Analytics

Fresh Budgets partners with third-parties to help us monitor and analyze website traffic and can be used to keep track of User behavior, helping us to improve the services and experience of using them.

Customer Support

Fresh Budgets partners with third-parties to help us receive, process, and respond to customer support requests, as customer support and education are a core part of the services offered.

Performance and Logging

Fresh Budgets partners with third-parties that assist us in monitoring the stability of the Application and resolving issues or errors with the service.

Marketing

Fresh Budgets partners with third-parties to manage receipt of consent to send marketing emails and to send those same emails.

Data Retention

We may retain account data indefinitely, for the purposes of improving products and services and the ability to undo accidental deletions, unless you delete your account as described below.

Automated Data Processing

In conjunction with a third-party payment processor, we may use automated analysis to screen for suspicious or fraudulent transactions.

When we make solely automated decisions that affect you in a legal or a significant way, you have the right to provide your point of view and have those decisions reviewed by a member of our staff.

Children Under the Age of 13

Our Application is not intended for children under 13 years of age. No one under these ages may provide any personal information to the Application. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Application or on or through any of its features, register on the Application, make any purchases through the Application, use any of the interactive or public comment features of this Application or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information without notice. If you believe we might have any information from or about a child under 13, please contact us at privacy@freshbudgets.com.

Your Rights

We have established a number of procedures to help you manage your personal data.

Deletion

You may request to delete your account by contacting support@freshbudgets.com. This will delete all personal data with the exception of email correspondence. Note that the process to delete all data associated with your account will take up to thirty (30) days, with log files, backups, and anonymized data retained for up to twenty-four (24) months.

Adjust Notification and Email Preferences

Fresh Budgets offers various ways to manage the communications you receive. You can choose to unsubscribe from emails and lists by following the instructions contained at the bottom of each type of email or updating your notification preferences in user profile. Any administrative or service-related emails (to confirm a purchase, or an update to this Privacy Policy or the Terns of Service, etc.) generally do not offer an option to unsubscribe as they are necessary to provide the Services you requested.

Updating Account Information

You may correct, amend, or update your email and/or password at any time by adjusting that information in your user profile.

You may withdraw consent for processing in the situations described above. Other data processing we conduct is necessary for the fulfillment of our Terms of Service and/or our legitimate interest and/or legal reasons, and deletion of your account and data is required to cease processing.

Transfers

The Services offered by Fresh Budgets are operated from the United States. If you are located outside of the United States and choose to use the Services or provide information to us, you acknowledge and understand that your information will be transferred, processed, and stored in the United States, as it is necessary to provide the Services and perform the Terns of Service.