LazyBudget is provided by Kenex LLC. This policy explains what the app collects, where it goes, and what you can do about it.
You sign in with Apple, Google, or an email and password, through Firebase Authentication (Google). We receive your email address (with Apple, possibly a private relay address) and your name if the sign-in provides one. We never see your password.
Your account has a user ID. It labels your data in our database, the bank connections you make, and the records our server keeps when it does work for you.
Your income, bills, transactions, balances, budgets and notes are kept on your device and in your account, in Google Cloud Firestore, so your budget is there when you sign in on another phone, including across iPhone and Android. Syncing is on whenever you are signed in.
On Android, if you use Android's own backup, Android may include the app's data from this device in your Google backup.
Connecting a bank is optional. When you do, your bank login goes directly to Plaid, the service that connects your bank. LazyBudget never sees or stores it. Plaid gives us read-only access to your transactions and balances; it cannot move money or change anything at your bank.
We store the transactions in your account, along with a record of the connection: the bank's name, your account names, the last four digits of each account, and who connected it. The key Plaid issues for your bank stays on our server and is never sent to your device. Plaid's own privacy policy applies to the connection.
A file you import is read on your device and never uploaded. The transactions in it are stored like any others.
Purchases are handled by Apple on iPhone and by Google Play on Android. We never see your payment details. We record that your subscription is active so we can turn on its features.
LazyBudget's AI features use Anthropic's Claude, through our server. Our server passes your request to Anthropic, returns the answer, and does not keep what you sent. Your user ID reaches our server so it knows the request is yours and can limit how often it is used; it is not sent to Anthropic. Anthropic's commercial terms do not allow it to train its models on this data.
If you email us, we receive what you send. The app's feedback email adds the app version, your device model and your Support ID, a code made from your user ID so we can find your account without asking for personal details.
A household is two or more people sharing one budget. If you create or join one, every member can see the household's transactions and balances, its bank connections (bank name, account names, last four digits), every member's bills and income, and each member's name. You choose who joins; nobody sees your budget unless you invite them or accept their invitation.
To run the app for you: sign-in, syncing, bank connections, the AI features you use, purchases, and support. To keep it working: fixing problems and preventing abuse. Nothing else.
These companies process your data only to provide their part of the service:
Everything the app sends is encrypted in transit (HTTPS). Your account data is encrypted at rest by Google Cloud. Database rules let only you and the members of your household read your budget; our server reaches it only to do work for you, such as adding new bank transactions. The keys to your bank connections never leave our server. No system is perfectly secure, so please protect your phone and your sign-in.
Your data stays in your account for as long as you have one. Signing out removes it from that device only; your banks stay connected, and signing back in brings everything back.
Delete Account, in the app's account settings, deletes your sign-in, your bills and income, your profile and your household membership, and asks Plaid to disconnect the banks you connected. If you are the only member of your household, it also deletes the household's transactions, balances and everything else in it. If other members remain, the household's shared transactions and balances stay with them, because they are part of their budget too.
You can also request deletion at lazybudget.app/delete-account.html or by emailing support@lazybudget.app. We will remove anything left within 30 days.
Older versions of the iPhone app also kept a copy in your iCloud. To remove it, go to iPhone Settings › your name › iCloud › Manage Storage.
LazyBudget is not for children under 13, and we do not knowingly collect their information.
Depending on where you live, you may have the right to access, correct, export or delete your personal information. Most of it is in the app itself; for anything else, email support@lazybudget.app and we will respond within 30 days.
If we change this policy, we will update the date above and, for significant changes, tell you in the app.
Kenex LLC · support@lazybudget.app