Privacy Policy

Privacy Policy - Budgetyam

Last updated: March 17, 2026

1. Introduction

Budgetyam ("we", "us", "our") is a product operated by TechOps Group (Pty) Ltd, a company based in South Africa.

Budgetyam is a personal finance application designed to help you plan, track, and better understand your money.

We respect your privacy and are committed to protecting your personal information in accordance with applicable laws, including the Protection of Personal Information Act (POPIA) in South Africa.

By using Budgetyam, you agree to the practices described in this Privacy Policy.

2. What Information We Collect

We only collect the information necessary to provide and improve the Budgetyam experience.

2.1 Account Information

  • Name (if provided)
  • Email address
  • Login credentials (securely stored via authentication provider)

2.2 Financial Information (User-Provided)

  • Income entries
  • Expenses
  • Savings contributions
  • Budget categories and allocations

Important: All financial data is entered manually by you.

2.3 Usage Data

  • How you interact with the app (e.g. features used)
  • Basic analytics to improve performance and usability

2.4 Device & Technical Data

  • Device type
  • Browser type
  • IP address (for security and operational purposes)

3. What We Do NOT Do

Budgetyam is designed to give you control, not take it away.

  • Access or connect to your bank accounts
  • Automatically track or scrape your transactions
  • Sell your personal or financial data
  • Share your financial data with advertisers

Your financial information exists only because you choose to enter it.

4. Why We Collect Your Data

  • Provide core functionality (budgeting, tracking, insights)
  • Help you plan and manage your finances
  • Generate summaries and insights based on your data
  • Improve the app experience and performance
  • Communicate important updates (if necessary)

5. Data Storage & Security

We take data security seriously.

  • Encrypted in transit (HTTPS)
  • Stored securely using trusted infrastructure providers
  • Protected by access controls and authentication mechanisms

Access to your data is limited and controlled, and we continuously work to improve security practices.

6. Data Sharing

We do not sell or trade your personal information.

We may use trusted third-party services strictly for:

  • Hosting and infrastructure
  • Authentication
  • Analytics (limited and anonymized where possible)

These providers are only given access to what is necessary to perform their function.

7. Your Rights

In line with POPIA, you have the right to:

  • Access your personal data
  • Request correction of inaccurate information
  • Request deletion of your data
  • Withdraw consent where applicable

You can exercise these rights by contacting us (see Section 10).

8. Data Retention

We retain your data only for as long as your account is active.

If you delete your account:

  • Your personal and financial data will be permanently removed within a reasonable timeframe, unless required for legal or operational purposes.

9. Cookies & Tracking

We may use minimal cookies or tracking technologies for:

  • Authentication
  • Basic analytics
  • Improving user experience

We do not use invasive tracking or third-party advertising trackers.

10. Contact Us

If you have any questions about this Privacy Policy or your data, you can contact us at:

TechOps Group (Pty) Ltd

[email protected]

TechOps Group builds secure, user-focused digital products with a strong emphasis on privacy.

11. Updates to This Policy

We may update this Privacy Policy from time to time.

If changes are significant, we will notify you through the app or via email.

12. Final Note

Budgetyam is built on a simple principle:

Your money is personal. Your data should be too.

We are committed to keeping it that way.