Privacy Policy

Budget Expert is a trading name of Full Stack Media, a sole trader business operated by Shane Feltham. We are the data controller for personal data collected through the Budget Expert app and website.

Contact: hello@fullstackmedia.co.uk

We collect the following categories of personal data:

• Account data: your name and email address, provided when you register
• Budget data: savings goals, target amounts, dates, payment schedules, and contribution records you enter into the app
• Payment data: your purchase tier and transaction status. We do not store your card details — these are handled entirely by Stripe or the App Store / Google Play
• Technical data: your approximate currency region, detected via your IP address on first use to pre-select a currency (via ipapi.co). We do not store your IP address
• Usage data: general app activity such as budget creation and feature use, used to improve the service

We use your personal data to:

• Create and manage your account
• Provide and maintain the Budget Expert service
• Process and verify purchases
• Respond to support, bug reports, and feature requests you submit
• Improve the app based on usage patterns
• Comply with our legal obligations

We do not sell your personal data. We do not use your data for advertising or marketing to third parties.

Under UK GDPR, we rely on the following lawful bases:

• Contract performance: processing your account and budget data is necessary to provide the service you signed up for
• Legitimate interests: improving the app, preventing fraud, and maintaining security
• Legal obligation: retaining transaction records as required by law

We use the following third-party services to operate Budget Expert. Each acts as a data processor under appropriate agreements:

• Google Firebase — authentication, database (Firestore), and app infrastructure. Data may be stored in the US. Firebase is covered by Google's standard contractual clauses. Firebase Privacy
• Stripe — payment processing for web purchases. Stripe handles all card data directly and we never see your payment details. Stripe Privacy
• RevenueCat — in-app purchase management for iOS and Android. RevenueCat Privacy
• Apple App Store / Google Play Store — distribution and payment processing for mobile purchases. Their privacy policies apply to any data they collect
• Netlify — web hosting and form submissions (bug reports and feature requests). Netlify Privacy
• ipapi.co — currency detection via IP geolocation on first use only. No data is stored by us from this request

We retain your account and budget data for as long as your account is active. If you delete your account, your personal data will be deleted from our systems within 30 days, except where we are required to retain it for legal or compliance purposes (such as transaction records, which may be retained for up to 7 years under UK tax law).

Your data may be transferred to and processed in countries outside the UK, including the United States, where our third-party providers operate. We ensure such transfers are protected by appropriate safeguards, including standard contractual clauses approved by the UK Information Commissioner's Office (ICO).

Under UK GDPR you have the right to:

• Access the personal data we hold about you
• Rectify inaccurate or incomplete data
• Erasure ("right to be forgotten") — request deletion of your data
• Portability — receive your data in a structured, machine-readable format
• Restrict processing in certain circumstances
• Object to processing based on legitimate interests

To exercise any of these rights, contact us at hello@fullstackmedia.co.uk. We will respond within one month.

Budget Expert uses browser local storage to temporarily store budget data during onboarding (before account creation). This data is cleared once your account is set up.

Firebase Authentication uses cookies and local storage to maintain your login session. These are essential for the app to function and cannot be disabled while using the service.

We do not use advertising cookies or third-party tracking cookies.

Budget Expert is intended for users aged 18 and over. We do not knowingly collect personal data from anyone under 18. If you believe we have inadvertently collected data from a minor, please contact us and we will delete it promptly.

If you are unhappy with how we handle your personal data, you have the right to lodge a complaint with the UK Information Commissioner's Office (ICO):

ico.org.uk/make-a-complaint — 0303 123 1113

We would always appreciate the chance to address your concerns directly first, so please do contact us before escalating to the ICO.

We may update this Privacy Policy from time to time. We will notify you of material changes by updating the "Last updated" date above and, where appropriate, by in-app notification. Your continued use of the service after any change constitutes acceptance of the updated policy.

Full Stack Media — Budget Expert
Email: hello@fullstackmedia.co.uk