Data Retention & Deletion Policy

Data we retain

• Account and profile data — retained while your account is active.
• Household financial data — accounts, transactions, budgets, goals, and related records retained while the household exists and members use the service.
• Plaid connection data — encrypted access tokens, item IDs, and sync cursors retained while a bank connection is active.
• Audit logs — security events (sign-in, bank actions, exports, member changes) retained to support security monitoring and household activity review.
• AI assistant history — retained while the feature is enabled; you may disable the assistant in Settings.

Self-service deletion

Users can delete or export data without contacting support:

• Disconnect a bank — removes the encrypted Plaid access token and connection record from Settings.
• Delete transactions and accounts — remove individual records in the application.
• Remove household members — Owners can remove members; removed users lose access immediately.
• Export data — CSV export of transactions and accounts from Settings.

Account deletion requests

To delete an entire user account or household and associated data, email support@myfamilybudget.net from the registered email address. We verify ownership, then delete profile, session, and household data within 30 days unless a longer retention period is required by law. Backups containing deleted data are purged on the provider's normal rotation cycle.

Retention after deletion

• Sessions are deleted immediately on logout or account removal.
• Plaid tokens are deleted when a bank connection is disconnected or the household is removed.
• Database foreign keys use ON DELETE CASCADE to remove orphaned household data.
• Minimal audit metadata may be retained in anonymized form for security investigations.

Related policies

• Privacy Policy
• Security Policy