Short version: we don't sell your financial data. Here's exactly what we collect, why, and how you can control it.
This Privacy Policy explains how ThinkBudgets ("ThinkBudgets," "we," "us," or "our") handles your information when you use our budgeting app at thinkbudgets.app. By using ThinkBudgets, you're agreeing to this policy. It's part of our Terms of Service.
ThinkBudgets is available to US residents only.
We use your information to run the app, improve it, show you relevant features, serve ad-supported features, prevent abuse, and communicate with you about your account. We analyze usage in aggregate and anonymized form to make ThinkBudgets better.
We don't sell your financial data or use it to train third-party AI models.
Some features are free to unlock by watching a short ad (around 30 seconds). Ads come from third-party networks — we don't control the specific ads shown.
We don't share your budgets, transactions, or goals with advertisers. Ad networks may receive general usage signals (e.g., that you use a budgeting app), your device ID/IP for serving, and whether you completed watching an ad. You can opt out of targeted ads through your device settings or the DAA opt-out tool — though you'll still see ads if you use ad-gated features.
Some links in the app may be affiliate links. If you make a purchase through one, we may earn a small commission — at no cost to you. We only promote things we think are genuinely useful, and we disclose affiliate relationships wherever they appear, per FTC guidelines.
Linking a bank account is optional and goes through Plaid. You log in directly with your bank through Plaid — we never see or store your banking credentials. We get read-only access to your transactions and balances. Plaid's own privacy policy also applies to that connection.
You can disconnect a bank account anytime from your workspace settings. We'll stop pulling new transactions, but data already imported stays unless you delete it.
We keep your data as long as your account is active. If you delete your account, we'll remove your personal data within 90 days, except where we're legally required to keep it or need it to resolve a dispute. To delete your account, email hello@thinkbudgets.com.
We use HTTPS, access controls, and secure credential storage to protect your data. That said, no system is perfectly secure — if you think your account has been compromised, contact us right away at hello@thinkbudgets.com.
In the event of a data breach that affects your personal information, we will notify affected users without unreasonable delay and no later than 60 days after discovering the breach, as required by applicable law.
ThinkBudgets is for users 18 and older. We don't knowingly collect data from anyone under 18. If you think we have, let us know and we'll remove it.
Depending on your state, you may have the right to access, correct, delete, or export your personal data, and to opt out of targeted advertising. To make any of these requests, email us at hello@thinkbudgets.com. We'll verify your identity and respond in a reasonable timeframe. We won't penalize you for exercising these rights.
If you're a California resident, you have the following additional rights under the California Consumer Privacy Act and California Privacy Rights Act:
We do not sell your personal information as defined under CCPA. We may share limited non-financial data (such as device identifiers and ad interaction signals) with third-party ad networks for targeted advertising purposes. To opt out of this sharing, use the DAA opt-out tool or adjust your device's ad tracking settings.
To exercise your California rights, email hello@thinkbudgets.com with "California Privacy Request" in the subject line. We'll respond within 45 days as required by law.
ThinkBudgets connects to third-party services — Plaid for bank connections, ad networks for ads, and Google for fonts. Their own privacy policies govern their use of your data. We're not responsible for what they do with it.
We may update this policy from time to time. We'll update the date at the top and notify you of material changes by email or in-app notice. Continuing to use ThinkBudgets after changes go live means you accept them.
Questions about your privacy? Reach us at hello@thinkbudgets.com.