Privacy Policy

Last updated: February 4, 2026

LazyBudget ("App") is provided by Kenex LLC ("we," "our"). This Privacy Policy describes how we handle information in connection with the App.

1. Information We Collect and Use

1.1 Sign in with Apple

When you sign in with Apple, we receive a user identifier (opaque ID from Apple) so we can recognize you on this device. We may also receive your name and email if Apple provides them (typically only on first authorization). You can choose to hide your email; Apple may provide a private relay address.

We store this information locally on your device (in the device's keychain) to keep you signed in. We do not send your Apple identifier, name, or email to our own servers.

1.2 Data You Create in the App

Bills, income, transactions, and similar data you create or that the App derives (e.g., from bank connection or file import) are stored only on your device. We do not sync this data to our servers. If you set a display name, it is stored only on your device.

1.3 Bank Connection (Plaid)

If you connect a bank account, Plaid (a third-party service) connects to your financial institution and retrieves transaction data. Plaid's privacy policy and terms apply to that process. We receive transaction data from Plaid to show in the App; that data is stored on your device. We do not use it for advertising or sell it to third parties.

1.4 File Import

Transaction data from imported files (e.g., OFX/QFX) is stored only on your device. We do not upload it to our servers.

1.5 In-App Purchases

Purchases are processed by Apple. We do not receive your payment card details. We may receive entitlement information from Apple so we can unlock features in the App.

2. How We Use Information

We use the information described above to:

Let you use the App (sign-in, display name).
Show your bills, income, and transactions and provide budgeting features.
Support bank connection and transaction refresh via Plaid.
Honor in-app purchase and subscription status.

We do not sell your personal information. We do not use your data for third-party advertising.

3. Sharing of Information

Apple: Sign-in and in-app purchases are handled by Apple; Apple's privacy policy applies.
Plaid and your financial institution: When you connect a bank, Plaid and your institution process your credentials and transaction data according to their policies.
Legal: We may disclose information if required by law or to protect our rights, safety, or property.

We do not share your budget or transaction data with advertisers or data brokers.

4. Data Retention and Deletion

Data stays on your device until you sign out, delete the App, or clear data. Signing out removes local account data, bank tokens, and budget data from the device. We do not retain copies of your budget or transaction data after you sign out or delete the App.

5. Security

We use standard technical measures (e.g., secure storage on device, HTTPS) to protect data. No system is completely secure; you are responsible for securing your device and Apple ID.

6. Children

The App is not directed at children under 13 (or the applicable age in your jurisdiction). We do not knowingly collect information from children.

7. Your Rights

Depending on your location, you may have rights to access, correct, or delete personal data. Because we store most data only on your device, you can delete it by signing out or deleting the App. For other requests, contact us at support@lazybudget.app.

8. Changes to This Policy

We may update this Privacy Policy. The "Last updated" date will change when we do. Continued use of the App after changes means you accept the updated policy. We may notify you of material changes in the App.

9. Contact

For privacy-related questions or requests, contact us at support@lazybudget.app.