Privacy Policy

1. Information We Do Not Collect

Unlike conventional financial applications that require linking your bank account through aggregation APIs (such as Plaid or MX), My Real Budget operates entirely on a client-side calculation model. We strictly do not collect, request, or retain:

• Bank account credentials, routing numbers, account numbers, or passwords.
• Credit card, debit card, or payment instrument details.
• Social Security Numbers (SSN), national ID numbers, or government identifiers.
• Credit scores, loan balance histories, or investment brokerage accounts.
• Personal financial numbers entered into our online calculators or templates.

2. Information Stored Locally on Your Device (Web Storage)

To make our budgeting calculators and site preferences convenient to use between browser sessions, our website utilizes standard HTML5 Web Storage (localStorage):

• Theme Preference: The key myrealbudget_theme stores your light or dark mode choice to prevent flickering upon page reload.
• Budget Entries: Your entered salary, expenses, categories, and frequency selections are stored in your device's browser memory so your planner does not erase when you refresh the tab.

This data exists only on your device. It is not transmitted to, backed up on, or viewable by our web servers or any external party. You can clear this data at any time by clicking "Reset" inside the planner or by clearing site data in your browser settings.

3. Information Collected Automatically (Server Logs & Telemetry)

When you access any page on myrealbudget.com, our web servers and content delivery network (CDN) automatically record standard technical log entries typical across the internet. These logs may contain:

• Internet Protocol (IP) address.
• Browser type, engine version, and operating system.
• Referring URL and requested page paths.
• Date, time stamp, and HTTP response status code.

These technical server logs are used exclusively for security diagnostics, mitigating DDoS and malicious attacks, optimizing CDN performance, and identifying server errors. Server log files are systematically rotated and permanently deleted according to industry security standards.

4. Information You Voluntarily Provide

If you choose to contact us directly via our contact form or by emailing support@myrealbudget.com, we receive the details you choose to send:

• Your name and email address.
• The subject line and message content (e.g. feedback, template requests, or bug reports).

We use this communication information solely to respond to your specific inquiry, address technical feedback, and improve the website. We never add your email address to marketing distribution lists without explicit opt-in consent.

5. Third-Party Services & Infrastructure

To deliver a fast, reliable, and secure web experience globally, we rely on vetted, industry-standard infrastructure providers:

• Hosting & CDN: Our static pages are distributed globally via high-security cloud edge networks ensuring fast page loads and SSL/TLS encryption.
• Google Fonts: We reference typography from Google Fonts to deliver consistent typography. Google may receive standard HTTP requests for font asset files.

We do not sell user data to data brokers, advertising networks, or third-party lead generation companies.

6. Data Security

We take appropriate technical measures to safeguard the integrity of our platform:

• Universal HTTPS: All traffic to and from myrealbudget.com is encrypted in transit using Transport Layer Security (TLS/HTTPS).
• Static Architecture: Because our site is generated as static HTML with client-side calculations, there is no centralized database holding user passwords, banking credentials, or personal budget sheets.

7. Your Privacy Rights (GDPR, CCPA/CPRA)

Depending on your jurisdiction (such as the European Economic Area, United Kingdom, or California), you are entitled to specific statutory privacy rights:

• Right to Access & Knowledge: You have the right to know what personal data is processed.
• Right to Deletion / Erasure: Because your budget data is stored solely in your browser, you can exercise immediate erasure simply by clearing your browser's local storage. For any email correspondence deletion requests, contact us.
• Right to Non-Discrimination: We do not discriminate against users who exercise their privacy rights.
• Do Not Sell or Share My Personal Information: We do not sell or share personal information as defined by California Consumer Privacy Act (CCPA/CPRA).

8. Children's Privacy (COPPA Compliance)

My Real Budget is intended for general audiences interested in personal budgeting. We do not knowingly solicit or collect personal information from children under the age of 13 (or under 16 in applicable jurisdictions). If you believe a child has provided us with personal information, please contact us immediately for deletion.

9. Changes to This Policy

We may periodically update this Privacy Policy to reflect improvements to our tools, legal requirements, or security best practices. Any revisions will be published on this page with an updated "Last Updated" date at the top. We encourage you to review this page periodically.

10. Contacting Us About Privacy

If you have questions, inquiries, or requests regarding this Privacy Policy or your data, please contact our team: