Privacy Policy

Bulga ("we", "our", or "us") is a personal budgeting application. This Privacy Policy explains what information we collect, how we use it, and your choices regarding your data.

By using Bulga, you agree to the collection and use of information as described in this policy.

We collect the minimum amount of data necessary to provide and improve our service:

• Account Information: When you create an account, we collect your email address and authentication credentials through Firebase Authentication. If you sign in with Google, we receive your name and email from your Google profile.
• Budget Data: Income and expense categories, amounts, and frequencies that you enter into the app. This data is stored to provide the budgeting service.
• Planner Data: Debts and savings goals, including balances, interest rates, target amounts, and priorities that you enter into the Financial Planner. This data is stored to provide the financial projections and payoff calculations.
• Preferences: Your chosen theme (dark/light), accent color, and language settings.
• Payment Information: If you subscribe to a premium plan, payment processing is handled entirely by Stripe. We do not store your credit card number or full payment details. We only store your Stripe customer ID and subscription ID to manage your subscription status.
• Contact Form Submissions: If you contact us through the in-app form, we receive your name, email, and message content via Formspree.
• Payment Reminders: If you set up payment reminders on budget entries, we store your scheduling preferences (day of week, day of month, or date of year) alongside the associated entry. This data is used solely to calculate and display your upcoming payments.

We use the information we collect to:

• Provide and maintain the budgeting service
• Authenticate your identity and secure your account
• Process premium subscription payments
• Save and sync your preferences across devices
• Respond to your support inquiries
• Improve the app based on usage patterns and feedback

We do not sell, rent, or share your personal data with third parties for advertising or marketing purposes.

Bulga uses the following third-party services that may process your data according to their own privacy policies:

• Firebase (Google) — Authentication and cloud database (Firestore) for storing your account and budget data.
• Stripe — Secure payment processing for premium subscriptions.
• Formspree — Contact form submission handling.

Your data is stored securely on Google Cloud (Firebase) servers. All data in transit is encrypted using HTTPS/TLS. Authentication tokens are managed by Firebase Authentication with industry-standard security practices.

While we implement appropriate security measures, no method of electronic storage or internet transmission is 100% secure. We cannot guarantee absolute security of your data.

The app may also cache data locally on your device through a service worker for offline access. This cached data remains on your device and is not shared.

You have full control over your data:

• Access & Export: You can view all of your budget data within the app at any time.
• Erase Data: You can erase all budget data from your Profile page — this permanently removes your categories and entries.
• Delete Account: You can permanently delete your entire account, including all associated data, from your Profile page.
• Manage Subscription: You can cancel or modify your premium subscription at any time through the Stripe customer portal.

Bulga is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us and we will promptly delete it.

We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated effective date. We encourage you to review this page periodically. Continued use of the app after changes constitutes acceptance of the updated policy.

If you have any questions about this Privacy Policy or how your data is handled, please reach out through our Contact page.