1. Introduction

BudgetNow (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered FP&A and financial consolidation platform (the “Service”). By accessing or using BudgetNow, you consent to the practices described in this policy.

2. Information We Collect

We collect the following types of information:

A. Personal Information

• Account Data: Name, email, job title, company name, and phone number.
• Payment Data: Billing address, credit card details (processed securely via third-party providers like Stripe).
• User Content: Financial data uploaded or generated through the Service.

B. Usage Data

• Technical Information: IP address, device type, browser, operating system.
• Behavioral Data: Pages visited, features used, session duration.
• Cookies: We use cookies (see Section 6) to enhance your experience.

3. How We Use Your Information

• Provide Services: Deliver FP&A tools, process payments, and offer customer support.
• Improve Functionality: Analyze usage patterns to enhance features and fix bugs.
• Communications: Send updates, security alerts, and promotional materials (opt-out available).
• Legal Compliance: Meet regulatory obligations (e.g., tax laws, fraud prevention).

4. Data Sharing

We only share your information in the following cases:

• Service Providers: Trusted third parties (e.g., AWS for hosting, Stripe for payments).
• Legal Requirements: To comply with laws, court orders, or government requests.
• Business Transfers: During mergers, acquisitions, or asset sales.
• With Your Consent: For purposes you explicitly approve.

We do not sell your data to third parties.

5. Data Security

• Encryption: All data is encrypted in transit (TLS 1.2+) and at rest (AES-256).
• Access Controls: Role-based access to sensitive information.
• Audits: Regular security assessments (SOC 2 certified).
• Breach Notification: We will notify you promptly if a breach affects your data.

6. Cookies and Tracking

• Necessary Cookies: Essential for platform functionality (e.g., login sessions).
• Analytics Cookies: Track usage via tools like Google Analytics (anonymized data).
• Marketing Cookies: Used for targeted ads (opt-out via browser settings).

Manage preferences via our Cookie Consent Banner or browser tools.

7. International Data Transfers

Data may be processed globally but protected under GDPR standards. For EU/UK users, we comply with Standard Contractual Clauses (SCCs).

8. Your Rights

• Access/Correct Data: View or update your account information.
• Delete Data: Request removal of personal data (exceptions apply for legal obligations).
• Opt-Out: Unsubscribe from marketing emails via the link in each message.
• CCPA & GDPR Rights: California/EU users may request data portability or object to processing.

Submit requests to [email protected]

9. Data Retention

We retain data only as long as necessary:

• Account Data: Until deletion request or 2 years post-account closure.
• Financial Records: 7 years for tax/compliance purposes.

10. Children’s Privacy

Our Service is not intended for users under 16. We do not knowingly collect children’s data.

11. Policy Updates

We will notify you of material changes via email or platform alerts. Review this policy periodically.

12. Contact Us

For questions or requests:

• 13575 58th Street North
  Suite 200 
  Clearwater, Florida 33760
• Toll-Free: 1-888-955-7770
• Local Tel: (727) 855-7770