Privacy Policy
Last Updated: March 5, 2026
What Data We Collect
Budget Buddy accesses your YNAB (You Need A Budget) data through the official YNAB API using OAuth authorization. When you connect your YNAB account, we access:
- Your YNAB user ID (for account identification)
- Budget categories and their budgeted amounts
- Transactions for the current month
We only request read-only access to your YNAB data. Budget Buddy cannot modify your YNAB budget.
How We Use Your Data
Your YNAB data is used solely to:
- Calculate spending pace and projections for your budget categories
- Display budget analysis and visualizations
- Sync and cache your budget data locally for faster access
How We Store and Secure Your Data
Your data is stored in a secure PostgreSQL database. OAuth access tokens and refresh tokens are stored encrypted at rest. We use HTTPS for all communications.
We cache your YNAB categories and transactions locally to provide a responsive experience. This cached data is refreshed when you manually sync.
Data Retention
Your synced YNAB data is retained as long as your account is connected. Transaction data is limited to the current month. When you disconnect your YNAB account, all synced data (categories, transactions, sync metadata, and saved category groups) is immediately and permanently deleted.
Third-Party Sharing
Your data will never be sold, shared with, or passed to any third party. We do not aggregate, analyze, or resell your financial data.
Data Deletion
You can delete all your data at any time by disconnecting your YNAB account from the Settings page. This immediately removes all stored tokens, cached categories, transactions, and any custom configurations you have created.
Cookies and Tracking
Budget Buddy uses only essential session cookies required for authentication. We do not use analytics, advertising, or third-party tracking cookies.
Contact
If you have questions about this privacy policy or want to request data deletion, please contact us through our GitHub .