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Privacy Policy

Last updated: June 22, 2026

My Family Budget (“we,” “us”) operates https://myfamilybudget.net and helps households track personal finances. This policy describes what data we collect, how we use it, and your choices.

Information we collect

  • Account data: name, email address, and password (stored as a bcrypt hash only).
  • Financial data you enter or import: accounts, transactions, categories, budgets, goals, investments, and notes.
  • Bank connection data (optional): if you connect a bank through Plaid, we receive transaction and account information authorized by you. Plaid access tokens are stored encrypted on our servers and are never sent to your browser.
  • Security logs: sign-in events, bank connect/sync/disconnect, exports, and related audit metadata (including IP address where available).
  • AI assistant (optional): if you enable the assistant, questions and relevant household summaries may be sent to OpenAI to generate responses. Bank tokens and passwords are never shared with OpenAI.

How we use information

  • Provide and secure the service for your household.
  • Import and display transactions when you connect a bank through Plaid.
  • Generate budgets, reports, and optional AI assistant answers.
  • Detect abuse, enforce access controls, and maintain audit records.

We do not sell personal information. We do not use your data for advertising.

Third-party services

  • Plaid— optional bank account linking. Plaid's privacy policy applies to data collected through Link. See plaid.com/legal.
  • OpenAI — optional AI assistant only, with your explicit consent in Settings.
  • Infrastructure: hosting and managed database providers used to operate the application.

Your choices

  • Export your data as CSV from Settings at any time.
  • Disconnect linked banks from Settings (encrypted tokens are deleted).
  • Enable or disable two-factor authentication and the AI assistant in Settings.
  • Request account or household data deletion by emailing support@myfamilybudget.net. See our Data Retention Policy.

Security

We use HTTPS, encrypted sessions, role-based access, encrypted Plaid tokens at rest, and optional two-factor authentication. Two-factor authentication is required before connecting a bank through Plaid. Details are in our Security Policy.

Children

The service is not directed to children under 13. We do not knowingly collect data from children.

Changes and contact

We may update this policy. The “Last updated” date above reflects the current version. Questions: support@myfamilybudget.net.