iBudgetAll Privacy Policy

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Privacy Policy for iBudgetAll

Effective Date: March 11, 2026
Developer / Service Provider: ARJB Studio
Contact: contact@arjbstudio.fr

1. Introduction

This Privacy Policy applies to the iBudgetAll mobile application (hereby referred to as the "Application") developed by ARJB Studio (hereby referred to as the "Service Provider").
The Application is offered as a Freemium service and is intended for use as is.

By using the Application, you consent to the collection and use of information in accordance with this Privacy Policy.

2. Information Collection and Use

The Application collects certain information automatically when you download and use it. This may include, but is not limited to:

Your device’s Internet Protocol (IP) address

The pages or screens you visit and the time and date of each visit

Time spent in the Application and on specific pages

Your device’s operating system and version

App performance and usage analytics

For a better experience, the Application may request certain personally identifiable information, including but not limited to your email address, user ID, and financial data.
This information will be retained and used as described in this Privacy Policy.

3. Location Information

The Application does not collect precise GPS data.
It may collect your approximate location (city or region) for the following purposes:

Geolocation Services: To provide relevant recommendations or region-specific features.

Analytics: To analyze usage patterns and improve the Application.

Third-Party Services: To help optimize ad delivery and application performance.

All location data is anonymized and aggregated before being transmitted to external services.

4. Advertising and Cookies

The Application uses Google AdMob to display ads.
AdMob and its partners may use cookies, mobile identifiers (such as the Advertising ID or IDFA), and similar technologies to:

Deliver and measure personalized advertisements

Limit ad frequency

Detect and prevent fraud

Analyze and optimize ad performance

Users in the European Economic Area (EEA) and the United Kingdom will be asked to provide consent for personalized advertising in compliance with the General Data Protection Regulation (GDPR).

You can withdraw or change your consent at any time within the Application’s consent settings or by resetting your advertising ID in your device settings.

More information on how Google uses data in advertising:
https://policies.google.com/technologies/ads

5. AdMob and Advertising Partners

AdMob and its advertising partners may collect and process certain information (such as device identifiers, coarse location, and interactions with ads) to serve relevant ads and measure their effectiveness.

These partners adhere to Google’s EU User Consent Policy and Restricted Data Processing options where applicable.
You can learn more about AdMob’s data handling practices here:
https://support.google.com/admob/answer/6128543

6. GDPR Compliance (European Users)

If you reside in the European Economic Area (EEA), you have specific data protection rights under the General Data Protection Regulation (GDPR).

These include:

Right of access: Obtain a copy of your personal data.

Right to rectification: Request corrections to inaccurate or incomplete data.

Right to erasure: Ask for deletion of your personal data.

Right to restrict processing: Request temporary suspension of data use.

Right to withdraw consent: Withdraw consent for processing at any time.

To exercise these rights, please contact the Service Provider at: contact@arjbstudio.fr

7. Third-Party Services

The Application uses the following third-party services, each governed by their own privacy policies:

Google Play Services

AdMob

Google Analytics for Firebase

Firebase Crashlytics

RevenueCat

The Application integrates with regulated third-party Open Banking providers to connect to your bank accounts. Currently active providers include:

Additional providers may be added as the Application expands to new regions. This list will be updated accordingly. All providers are regulated financial data aggregators operating under applicable financial and data protection laws in their respective regions.

Only aggregated and anonymized data may be shared with these services for analytics and improvement purposes.

7a. Open Banking & Financial Data

To provide budgeting features, the Application may connect to your bank account(s) via regulated third-party Open Banking providers, including:

Through these integrations, the Application accesses:

  • Account information (account name, IBAN, currency)
  • Transaction history (amount, date, description, category)

We never access, store, or transmit your banking login credentials. Authentication is handled entirely by the Open Banking provider in a secure, regulated environment.

Financial data retrieved via Open Banking is stored encrypted on Google Cloud (Firestore, europe-west3) and is used solely to display your transactions within the Application. It is never sold or shared with advertising partners.

8. Opt-Out Rights

You can stop all collection of information by uninstalling the Application at any time.
You may also disable personalized ads via your device’s settings or consent preferences.

9. Data Retention Policy

Data Retention & Deletion Policy
User-provided data, including financial transaction data retrieved via Open Banking providers, is retained for the duration of your active account.

Upon account deletion:

  • All personal data, transaction history, and bank connection tokens are automatically and permanently deleted from our servers within 24 hours via an automated deletion process.
  • Bank access tokens (e.g., Plaid access_token) are stored exclusively server-side and are permanently revoked upon account deletion.

You may request deletion of your data at any time by:

Data is retained in compliance with applicable data privacy laws including GDPR.

10. Children’s Privacy

The Application does not target children under the age of 13 and does not knowingly collect their personal information.
If the Service Provider becomes aware that a child has provided personal information, such data will be immediately deleted.
Parents or guardians may contact contact@arjbstudio.fr to request deletion.

11. Security

The Service Provider takes appropriate physical, electronic, and procedural measures to safeguard your data.
However, please remember that no method of transmission over the Internet or method of electronic storage is 100% secure.

12. Changes to This Privacy Policy

This Privacy Policy may be updated from time to time.
You are encouraged to review this page periodically for any changes.
Continued use of the Application after modifications constitutes your acknowledgment and acceptance of the revised policy.

13. Your Consent

By using the Application, you consent to the collection and use of information as outlined in this Privacy Policy.

14. Contact Us

If you have questions or concerns about this Privacy Policy or the handling of your data, please contact:

ARJB Studio
📧 Email: contact@arjbstudio.fr