Privacy

Overview

Elias Shammo Partners LLC ("we," "our," or "us") operates the Family Budget App mobile application (the "App"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our App.

1. Information We Collect

1.1 Account Information. When you create an account, we collect: email address; password (securely hashed, never stored in plain text); display name; profile picture (optional).

1.2 Financial Data. To provide budget tracking services, we collect: income and expense transactions (amounts, dates, descriptions); budget allocations and limits; spending categories; recurring transaction schedules; subscription information (detected and manually entered); bank statement data (when you import CSV files or scan paper statements).

1.3 Family Data. Family group name; family member relationships and display names; member roles (admin/member); invite codes.

1.4 Receipt and Statement Images (Optional). If you use the receipt scanning or bank statement scanning features, we collect: uploaded receipt images and extracted transaction data; bank statement images (photos or scans) and extracted transaction data; CSV files containing bank statement data.

Receipt images you scan are stored privately in Microsoft Azure Blob Storage so you can view them with the transaction. A receipt image is deleted when you delete the transaction it belongs to, or when you delete your account (that also deletes receipts you scanned but never saved, and, if you are your family's last member, all of the family's receipt images). Bank statement images and CSV files are processed to extract transactions and are not stored.

1.5 Automatically Collected Information. Device information (type, OS version); error logs and crash reports; performance metrics; session information.

2. How We Use Your Information

Provide Services: create and manage your account, track transactions, manage budgets. Family Sharing: enable budget sharing among family members. AI-Powered Insights: analyze spending patterns to provide savings recommendations. Receipt Processing: extract transaction data from receipt images. Bank Statement Import: parse CSV files and extract transactions from paper statement images using OCR. Subscription Detection: automatically analyze your transaction history to identify recurring payments and subscriptions. Notifications: send budget alerts and reminders. Error Monitoring: diagnose and fix bugs.

3. Third-Party Services

Microsoft Azure: database hosting, file storage, and application hosting. Azure AI Document Intelligence: OCR for receipt and statement scanning. Sentry: error tracking (technical data only, no financial data). Each service is covered by its own privacy policy.

4. Data Storage and Security

We implement comprehensive security measures including: encrypted data transmission (HTTPS/TLS); secure password hashing; Row-Level Security ensuring you only access your family's data; JWT-based authentication; regular security updates.

5. Data Sharing

We do not sell your personal information. We may share your data only: with your family members within your family group; with service providers listed above for operating the App; when required by law.

6. Data Retention

Active Accounts: Your data is kept while your account exists.

Financial Data: Transactions, budgets and receipt images are kept until you delete them or your account. We do not delete them on a schedule.

Deleted Accounts: When you delete your account in the App (Settings > Account > Delete account, confirmed with your password or PIN), your account and its data are deleted from our live systems immediately, and its stored images right after (retried automatically if storage is briefly unavailable). If you are your family's last member, the family's budget data is deleted too. An emailed deletion request is processed within 30 days.

Backups: Database backups are kept for 35 days for disaster recovery, so deleted data can remain in a backup for up to 35 days before it expires. Stored images are not backed up.

7. Your Rights

You have the right to: access your personal data; export your data in CSV format; update or correct your information; delete your account and associated data; opt out of optional features.

8. Children's Privacy

The App is not intended for users under 13 to create primary accounts. Family member accounts may be created for children under parental supervision.

9. Contact Us

If you have questions about this Privacy Policy, contact us at: email@eliasshammopartnersllc.com