Data Retention & Deletion

We retain your account profile, budget data, and linked bank information while your account is active and you use the service. This allows Budgetmend to provide ongoing budgeting, transaction import, and subscription features.

When you connect a bank through Plaid, we store account metadata, balances, and transaction history needed for import, categorization, bill detection, and safe-to-spend calculations. Plaid access tokens are retained while the connection is active and deleted when you disconnect or delete your account.

You may delete your account at any time from Settings. When you delete your account, we:

• Disconnect all linked banks from Plaid
• Delete personal and financial data from our database
• Delete uploaded bill, grocery, and statement files from storage
• Cancel active Stripe subscriptions and remove Stripe customer records
• Remove RevenueCat billing records (App Store subscriptions must be canceled in Apple Settings)
• Remove your Firebase Authentication account

Deletion is generally completed within 30 days. Backups may retain encrypted copies for a limited period before automatic purge.

We may retain certain records longer when required by law, tax regulations, payment dispute resolution, or fraud prevention. When retention is no longer required, data is deleted or anonymized.

This retention policy is reviewed at least annually and updated when our data practices change materially.

Questions about data retention or deletion: support@budgetmend.com