Privacy Policy

Effective Date: 2/14/2025

1. Data We Collect

SMS Budget AI collects and processes the following data to provide its budgeting services:

• Personal Information: Phone number, email address.
• User-Submitted Data: Text messages, images, audio files, and financial transaction data (expenses and income).

2. How We Use Your Data

Your data is collected and used exclusively for:

• Providing budgeting analysis and SMS-based financial tracking services.
• Delivering SMS communications related to your budget.

Your data is not used to train AI models.

3. How We Share Your Data

Your data is shared only with essential service providers:

• Telnyx: For SMS message delivery.
• Hostinger: For secure data storage.

We do not sell, rent, or share your personal data with third parties for advertising or marketing purposes.

4. How We Protect Your Data

• Your data is stored securely using encrypted databases.
• Access to your data is linked exclusively to your phone number. No user can request or access another user's data.

5. How to Opt-Out and Delete Your Data

Users can request data deletion by sending an email to help@smsbudgetai.com.

Upon request:

• Your phone number, email, images, audio files, and text messages will be permanently deleted.
• Your transactions (expenses and income) will be anonymized and no longer linked to your identity.

6. Compliance with Regulations

SMS Budget AI follows data protection laws, including:

• California Consumer Privacy Act (CCPA): California residents can request to access, delete, or restrict the processing of their data.
• General Data Protection Regulation (GDPR - EU Users): Users in the EU have the right to request access, rectification, or deletion of their data.
• Telephone Consumer Protection Act (TCPA - U.S.): Users must provide explicit consent before receiving SMS communications. Opt-out options are always available via STOP.

7. Updates to This Policy

This Privacy Policy may be updated periodically. Users will be notified of major changes via SMS or email.

For any questions, contact help@smsbudgetai.com.