Privacy Policy

Who we are

NO. Budget is a personal savings tracking app built for individuals and couples. The app is operated by an independent developer. If you have questions about this policy, contact us at cklok5174@gmail.com.

What information we collect

When you use NO. Budget, we collect the following:

• Google account information — your name and email address, provided when you sign in with Google. We use this to identify your account.
• Savings entries — the amounts, categories, and notes you log when you say NO to a purchase. This is the core data of the app.
• Household data — if you create or join a shared household, we store the household membership and invite code.
• Goals and reactions — savings goals you create and emoji reactions you send to your partner's entries.
• Custom categories — any custom spending categories you create or modifications you make to default categories.
• Monthly challenges — your household's monthly savings challenge target and progress.

We do not collect your location, contacts, camera, microphone, or any other device data. We do not collect financial account information or link to your bank.

How we use your information

We use the information we collect solely to operate the app:

• To identify your account and keep your data separate from other users
• To sync your savings entries with your partner in real time
• To calculate your streaks, stats, achievements, and monthly challenges
• To generate insights such as savings velocity, day of week patterns, and your savings graph
• To process your one-time payment for premium features via Stripe

We do not use your data for advertising, profiling, or any purpose other than operating NO. Budget.

The app displays one piece of aggregate data visible to all users: the total number of NOs logged across all users today. This is a raw count only — no names, no amounts, no household information is included or derivable from this number.

How we store your information

Your data is stored in Supabase, a secure cloud database provider. Data is encrypted in transit using HTTPS and encrypted at rest. We use industry-standard security practices to protect your information.

Payment processing is handled entirely by Stripe. NO. Budget never sees or stores your card number, bank account, or any financial credentials. Stripe's privacy policy is available at stripe.com/privacy.

Sharing your information

We do not sell, trade, or share your personal information with third parties except in the following limited cases:

• Your household partner — if you join a shared household, your display name, savings entries, and reactions are visible to other members of that household. This is the core feature of the app.
• Service providers — Supabase (database), Stripe (payments), and Vercel (hosting) process data on our behalf under their respective privacy policies.
• Legal requirements — we may disclose information if required by law or to protect the rights and safety of users.

Your rights and choices

You have the following rights regarding your data:

• Access — you can view all your saved data in the app at any time
• Edit your name — you can update your display name at any time in Settings
• Deletion — you can delete individual entries in the History tab. To delete your account and all associated data, contact us at cklok5174@gmail.com
• Leave a household — you can leave a shared household at any time in Settings

Children's privacy

NO. Budget is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will delete it.

If NO. Budget is ever discontinued

NO. Budget is built and maintained by an independent developer. While we have no plans to shut down, we want to be upfront about what happens if that ever changes.

If we ever decide to discontinue NO. Budget, we commit to the following:

• We will provide at least 60 days notice via email and an in-app notice before any shutdown
• During that notice period, the app will continue to function normally
• We will provide a way to export your savings history before the shutdown date
• The one-time premium unlock will never expire or be revoked — if you paid for premium features, they remain unlocked for as long as the app is operational

We chose a one-time payment model specifically because we believe in it. This commitment exists so that choice doesn't become a liability for you down the road.

Changes to this policy

We may update this privacy policy from time to time. We will notify users of significant changes by updating the date at the top of this page. Continued use of the app after changes constitutes acceptance of the updated policy.

Contact us

If you have questions, concerns, or requests regarding this privacy policy or your personal data, please contact us at cklok5174@gmail.com.

This privacy policy applies to the NO. Budget web application available at app.nobudget.app.