Privacy Policy
Acceptance of Terms
By using Budgetin, you acknowledge that you have read, understood, and agreed to these Terms and the Privacy Policy. You also accept and comply with WhatsApp's Terms of Service and Meta's Privacy Policy when using our services through the WhatsApp platform.
Data Collection
We only collect data that users voluntarily provide without coercion or specific direction. All recorded information is entirely based on the input users enter into Budgetin. We do not automatically retrieve or process data beyond what users intentionally submit.
The types of data collected include:
• User-Submitted Budget Details: Includes income, expenses, and budgets that you voluntarily input. We do not require or compel you to provide any specific financial details.
• User Interactions: Messages, queries, responses, and feedback shared with the bot.
We do not collect device information. However, WhatsApp and Meta may collect device-related data as part of their platform policies. Please refer to Meta's Privacy Policy & Whatsapp Business Privacy Policy for more details
Data Use
Your data is used solely for the following purposes:
• Helping you monitor and summarize your budget and expense details based on the information you voluntarily provide.
• Improving the bot's functionality to enhance user experience.
• Providing structured overviews and user-initiated reminders for your Budget journaling.
• Ensuring compliance with applicable legal and regulatory requirements.
Important Notice: Budgetin does not provide any financial, investment, or legal advice. The service is solely intended for personal budget journaling and monitoring.
Data Sharing
• Third-Party Services: We do not share your data with third parties, except when required for compliance with legal obligations.
• Legal Compliance: Data will only be disclosed when required by law or regulatory authorities.
• Internal Use: Your data is processed securely and only used to enhance service performance. We do not access or review your data content unless explicitly authorized by you for troubleshooting or support purposes.
Data Security
We implement strict security measures to safeguard your information:
• Encryption: All user-provided data is securely encrypted to maintain confidentiality.
• Access Control: Data access is strictly limited to authorized systems and automated processes, no individual has direct access.
• Security Audits: We conduct regular security assessments to ensure compliance with industry standards and platform requirements.
• Data Protection Policies: Our security protocols align with best practices to prevent unauthorized access, data breaches, or misuse.
User Rights
You have full control over your data, including the right to:
• Access: Request a copy of your data at any time.
• Correction: Modify or update any inaccurate information.
• Deletion: Request deletion of your account and all associated data by visiting budget-in.com/delete-data
• Opt-Out: Manage preferences for receiving communications.
Data Retention
• We retain user-provided budget journal for up to 12 months to improve service functionality, unless you request deletion earlier.
• After this period, data is securely erased unless required for compliance purposes.
Compliance
Budgetin adheres to:
• Applicable local regulations in Indonesia, including but not limited to relevant consumer protection and data privacy laws.
• WhatsApp Business Policy and Guidelines, WhatsApp Business Policy and Guidelines.
• Meta's Platform Terms and Developer Policies, including compliance with data handling and user consent requirements.
User Data Protection & Export Policy for Budget Journaling
Data Collection & Storage
• Budgetin securely stores user-submitted budget journaling data in compliance with our Privacy Policy.
• We do not share your data with third parties, except when required to comply with legal obligations or regulatory requirements.
• Data is stored securely and used solely for providing Budgetin’s budget journaling services. We do not process or analyze user data beyond what is necessary for service functionality.
User Data Export & Access
• Users may request an export of their budget journaling data using Budgetin’s secure export feature.
• Only verified users (through an OTP-based process) can access and download their data.
• Budgetin does not retain access to exported data once it has been delivered.
Security & Verification
• To prevent unauthorized access, users must complete:
- CAPTCHA verification before initiating the export request.
- OTP (One-Time Password) verification via SMS for authentication.
• If a user’s phone number is not found in our database, no OTP will be sent, and the export request will be denied.
Data Processing & Privacy
• Exported data is formatted into a predefined structured template and delivered to the user’s specified Google Sheets.
• Budgetin does not modify, analyze, or process user data beyond its structured export.
• Users are responsible for managing and securing their exported data after it has been successfully transferred.
Additional Disclosures
• Data Breach Notification, In the event of a data breach affecting your information, we will notify affected users within 72 hours, in accordance with applicable regulations.
• Data Storage & Cross-Border Processing, Your data is securely stored and processed on Google Cloud Platform (GCP) servers, which may be located internationally. We ensure that all transfers comply with applicable data protection laws and adhere to strict security protocols to safeguard your information.
Data Export & Google Drive Integration
Budgetin provides users with the option to export their budget journal data. The exported file is generated and temporarily stored on Budgetin’s cloud before being transferred to the user’s personal Google Drive. This process requires authentication via Google OAuth, ensuring that the user has full control over their exported data.
Upon authentication, the file is directly created in the user’s Google Drive, with the user being the sole owner and creator of the file. Budgetin does not store the exported file beyond the transfer process and does not retain any access to the user’s Google Drive after the export is completed.
Budgetin does not assume responsibility for the security or accessibility of the file once it has been successfully created in the user's Drive. Users should manage their files accordingly.
Contact Us
For any concerns, contact us at admin@budget-in.com or via WhatsApp +62 81387759975.