Privacy Policy

1. Information we collect

We collect the following categories of information:

• Account information — name, email address, and a securely hashed password (we never store passwords in plain text).
• Financial entries you create — income amounts, expense amounts, categories, dates, and notes you choose to record.
• Payment information — when you purchase a paid plan, payment details are collected and processed by our PCI-DSS compliant payment processor (Razorpay). We do not store your full card number, CVV, or banking credentials on our servers.
• Technical information — IP address, browser type, device type, operating system, and pages visited, gathered through standard server logs and cookies.
• Communications — when you contact us via email or the contact form, we keep a record of the correspondence.

2. How we use your information

• To create and operate your account.
• To provide, maintain, and improve the Service and its features.
• To process payments and issue receipts/invoices.
• To send transactional emails (signup confirmation, password reset, billing).
• To respond to your support requests and feedback.
• To detect, investigate, and prevent fraudulent or unauthorised activity.
• To comply with applicable law, court orders, or other legal obligations.

3. Information sharing & disclosure

We do not sell, rent, or trade your personal information to any third party for marketing purposes. We share information only in these limited cases:

• Service providers — trusted vendors who process data on our behalf (e.g. payment gateway, email delivery, cloud hosting). They are bound by confidentiality agreements.
• Legal requirements — when required to comply with law, regulation, legal process, or governmental request.
• Business transfers — in connection with a merger, acquisition, or sale of assets, your information may be transferred subject to this Policy.
• With your consent — for any other purpose disclosed at the time of collection or with your explicit permission.

4. Cookies & tracking

We use first-party cookies to maintain your login session and remember your preferences. We may also use anonymised analytics to understand how the Service is used. You can disable cookies in your browser settings, though some parts of the Service may not function correctly.

5. Data security

We implement industry-standard administrative, technical, and physical safeguards to protect your information, including: bcrypt password hashing, TLS/SSL encryption in transit, CSRF protection on every form, prepared SQL statements to prevent injection, and access controls on our infrastructure. While we strive to protect your data, no method of transmission over the internet is 100% secure.

6. Data retention

We retain your account information and financial entries for as long as your account is active. If you delete your account, we will erase your personal data within 30 days, except where retention is required by law (e.g. tax, accounting) or for legitimate business purposes such as fraud prevention.

7. Your rights

You have the right to:

• Access the personal data we hold about you.
• Correct inaccurate or incomplete information (you can edit your profile in Settings).
• Request deletion of your account and data.
• Export your financial data in a portable format (on request).
• Withdraw consent at any time, where applicable.

To exercise any of these rights, email us at support@tecknoticbudget.com.

8. Children's privacy

The Service is not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such data, please contact us so we can delete it.

9. Third-party links

Our Service may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review their respective privacy policies.

10. Changes to this Policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page indicates when the latest revisions were made. Continued use of the Service after changes constitutes acceptance of the updated Policy.

11. Contact us

If you have any questions about this Privacy Policy, please contact us: