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1. Acceptance of Terms

Welcome to Budget Guard! By accessing and using our services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Account Registration

To use Budget Guard, you must register for an account. You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

3. Phone Number Collection

Phone numbers are collected for:

• SMS notifications for collaboration expenses
• Emergency notifications
• Account verification
• Important updates about your account

Phone numbers are optional but recommended for full feature access.

4. Student Accounts

If you register as a student, you must provide accurate guardian information. This information is used for:

• Account verification purposes
• Emergency contact information
• Allowance management features
• SMS notifications for guardians when students make expenses

5. Financial Data

You retain ownership of all financial data you enter into Budget Guard. We will:

• Store your data securely using encryption
• Use your data only to provide our services
• Not sell your personal financial data to third parties
• Allow you to export your data at any time

6. SMS Notifications

By providing your phone number, you consent to receive:

• Expense notifications for collaborations
• Guardian alerts (for student accounts)
• Account security alerts
• Important service updates

7. Acceptable Use

You agree not to use Budget Guard to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Spread malware or viruses
• Attempt to gain unauthorized access to our systems
• Interfere with other users' experience

8. Service Availability

We strive to maintain 24/7 service availability but cannot guarantee uninterrupted access. We may perform maintenance that temporarily affects availability.

9. Modifications to Service

Budget Guard reserves the right to modify, suspend, or discontinue any part of our service at any time. We will provide reasonable notice of significant changes.

10. Termination

We may terminate or suspend your account if you violate these terms. You may delete your account at any time through your account settings.

11. Limitation of Liability

Budget Guard shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

12. Changes to Terms

We may update these Terms of Service from time to time. We will notify you of significant changes via email or through our platform.

13. Contact Information

For questions about these Terms of Service, contact us at: terms@budgetguard.com

Last Updated: March 15, 2026

1. Information We Collect

We collect several types of information to provide and improve our services:

Personal Information

• Name and contact information
• Email address
• Phone number (optional but recommended)
• User type (student or regular)
• For students: Guardian information (name, phone, relationship)

Phone Number Usage

Phone numbers are used exclusively for:

• SMS notifications about collaboration expenses
• Guardian alerts for student expenses
• Account security notifications
• Important service updates

We do not share phone numbers with third parties for marketing purposes.

Financial Information

• Expense and income records
• Budget categories and limits
• Allowance amounts and balances (for students)
• Receipt images (if uploaded)

2. How We Use Phone Numbers

Phone numbers are specifically used for:

• Notifying collaboration members about shared expenses
• Alerting guardians when students make expenses
• Sending important account security alerts
• Two-factor authentication (if enabled)
• Password reset verification

You can opt-out of non-essential SMS notifications at any time in your account settings.

3. How We Use Your Information

We use your information to:

• Provide and maintain our budgeting services
• Process transactions and manage your account
• Send important notifications and updates via email and SMS
• Improve our services and develop new features
• Monitor usage patterns and prevent abuse
• Comply with legal obligations

4. Data Security

We implement industry-standard security measures:

• Encryption of sensitive data in transit and at rest
• Regular security audits and vulnerability testing
• Access controls and authentication systems
• Secure data centers with physical protections
• Regular security training for our team
• Phone numbers are encrypted in our database

5. Data Retention

We retain your personal information for as long as necessary to:

• Provide the services you requested
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain business records

You can request deletion of your data at any time by contacting us.

6. Your Rights

You have the following rights regarding your data:

• Access: Request a copy of your personal data
• Correction: Update inaccurate or incomplete information
• Deletion: Request deletion of your personal data
• Objection: Object to certain data processing
• Portability: Receive your data in a structured format
• Withdrawal: Withdraw consent at any time
• SMS Opt-out: Opt-out of non-essential SMS notifications

7. Children's Privacy

For student accounts:

• We collect guardian information to ensure proper supervision
• We do not knowingly collect data from children under 13 without parental consent
• Guardians can request review or deletion of student data
• We provide tools for guardians to monitor student activity
• Guardians receive SMS notifications for student expenses

8. Third-Party Services

We may use third-party services for:

• Hosting and infrastructure
• SMS gateway services (for notifications only)
• Analytics and monitoring
• Email and notification services
• Payment processing (if applicable)

These services only receive information necessary to perform their functions.

9. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze site traffic and usage patterns
• Improve security and prevent fraud
• Provide personalized content

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by:

• Email notification to registered users
• In-app notifications
• Posting a notice on our website

12. Contact Us

If you have questions or concerns about this Privacy Policy, contact us at:

Email: privacy@budgetguard.com
Address: Budget Guard Privacy Team, Manila, Philippines

Last Updated: March 15, 2026