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Privacy Policy

Last updated: April 2026

1. Who We Are

LetzBudget is operated by Constantin Munteanu, Luxembourg.
Contact: [email protected]

2. What Data We Collect

  • Account data: Name, email address, phone number (for WhatsApp/Telegram linking).
  • Financial data: Expense amounts, descriptions, categories, dates, currency.
  • Receipt images: Processed by AI for amount extraction. Images are not permanently stored.
  • Usage data: Login timestamps, feature usage, streak data.

3. How We Use Your Data

  • To provide expense tracking and categorization services.
  • To generate budgets, savings goals, and spending reports.
  • To process shared event expenses and split calculations.
  • To send you notifications (OTP codes, budget alerts, event updates).

4. AI Processing

  • Text messages are processed by Google Gemini AI for expense categorization.
  • Receipt photos are processed by Google Gemini AI for amount extraction.
  • AI processing is done in real-time and data is not retained by the AI provider beyond the request.

5. Data Storage

  • Your data is stored on Microsoft Azure servers located in Western Europe.
  • Data is encrypted in transit (HTTPS) and at rest (Azure encryption).
  • Database: Azure CosmosDB with server-side encryption.

6. Data Sharing

We do not sell or share your personal data with third parties, except:

  • Google Gemini (AI processing — see section 4).
  • Microsoft Azure (infrastructure hosting).
  • Meta/WhatsApp (message delivery via official API).

7. Your Rights (GDPR)

As a user in the EU/EEA, you have the right to:

  • Access your personal data.
  • Correct inaccurate data.
  • Delete your account and all associated data.
  • Export your data in a portable format.
  • Object to processing of your data.

To exercise these rights, contact: [email protected]

8. Data Retention

  • Active accounts: data retained as long as the account is active.
  • Deleted accounts: data is permanently removed within 30 days.
  • Free tier: data retained for 3 months of inactivity.

9. Cookies

The web dashboard uses:

  • Session cookies for authentication (NextAuth.js).
  • Local storage for WhatsApp JWT tokens.
  • No third-party tracking cookies.

10. Changes to This Policy

We may update this policy. The "Last updated" date will reflect changes. Continued use constitutes acceptance.

11. Contact