Privacy Policy
Money Hack Budget
Effective 5 October 2026
Money Hack Budget is made by Money Hack LLC. This policy covers the app and the Money Hack Forever website.
It is written to be read, not to protect us. Where the answer is "nothing," it says nothing. Where something does leave your phone, it says exactly what.
The short version
Your budget stays on your phone unless you ask otherwise. Your income, your bills, your balances, what you owe, what you have saved — all of it is stored on your own device. No account is required to use any part of the app, and nothing about your money reaches us unless you turn on cloud backup, which is off until you switch it on.
If you never turn it on, we have no copy of your budget and could not show it to you if you asked, because we would not have it.
Three things do involve someone else, and each is listed in full below: checking for app updates, joining the mailing list if you choose to, and cloud backup if you switch it on.
1. Your financial information
Everything you enter into the app — income, paychecks, bills, credit cards, balances, savings, spending, notes — is written to storage on your device and stays there.
Unless you turn on cloud backup, it is never transmitted to us or to anyone else, we hold no copy, and if your phone is lost we cannot recover your budget because we never had it. Cloud backup exists precisely to change that, and only if you decide it should — see section 2.
Delete the app and that data is deleted with it. The app can export your data to a file first, so you can keep your own backup.
2. Everything that leaves your device
This is the complete list.
Checking for app updates. When the app opens, it asks Expo's update service (u.expo.dev) whether a newer version of the app's code exists. That request carries technical details about the app and the device, such as the app version, your device type, and your operating system version. No budget data is included, and no name or account is attached to it. Expo's privacy policy is at expo.dev/privacy.
Subscription payments. If you subscribe, Apple's App Store or Google Play handles the entire transaction. You pay them, not us. Your card number, billing address and Apple or Google account details go to them and are never seen by us or by the app. What comes back is a receipt confirming that a subscription is active. It tells us a subscription exists — not who bought it.
Cloud backup, only if you turn it on. Cloud backup is off unless you switch it on, and switching it on means signing in. Sign-in is your email address and a one-time code we email you — there is no password, and we never ask for one. That code email is delivered by Resend (resend.com), which receives your email address only to send it.
If you then tap Back up now, the app uploads the same file that Export a backup produces: your income, bills, credit cards, savings, sinking funds and paycheck history. It is stored under your account with Supabase, our hosting provider, encrypted in transit and at rest. Access is restricted at the database level so that one account can read only its own file — not by our promise, but by a rule the server enforces on every request.
What is not uploaded: your theme, your reminder settings, and anything to do with a subscription. Those stay on the phone. There are no bank logins to upload, because the app has never asked for one.
We also keep one earlier copy, so a bad backup can be undone — that is two files under your account, the current one and one before it, and never a history beyond those two.
After your first backup, the app backs up on its own once a day — only when something in your budget has changed, only from the phone that made the last backup, and never from a phone that has not backed up by hand at least once. You can switch that off on the Cloud backup screen, which always shows when the last backup landed. It only ever uploads: a download onto a phone always asks first, because restoring replaces what is on it. You can delete your account and both stored copies from inside the app at any time — section 9 says exactly what that removes.
That is the whole list. Those are the only connections the app makes. It contains no advertising, no tracking or profiling, no crash reporting, no social media SDK, no marketing tool, and no analytics of any kind.
3. Backups you control
If iCloud Backup or Google Backup is switched on, your phone's own backup may include the app's data, the same way it includes your other apps. That backup is between you and Apple or Google, under their terms and encryption. We are not part of it and cannot read it.
4. Exporting and sharing
When you export your budget or a tax report, the app hands the file to your phone's normal share sheet. Where it goes next — email, Files, a cloud drive, a message — is your choice, and once you send it, it is governed by whichever service you sent it to. The app does not upload it anywhere on its own.
5. Notifications
If you allow notifications, reminders about paydays and upcoming bills are scheduled on your device, by your device. They are not push notifications. Nothing is sent from us to you, and no server is involved. We do not know when a reminder appears, or whether you opened it.
Turn them off in the app's Settings, or all at once in your phone's Settings.
6. The website and the mailing list
If you join the waitlist or subscribe to updates on the Money Hack Forever website, you give us your email address. That is stored with Kit (kit.com), our email provider, and is used to send you news about the app.
We use it to send you news about the app, and for nothing else. We do not sell it, rent it, or share it with anyone else. Every email has an unsubscribe link, and unsubscribing removes you from the list. You can also ask us to delete your address outright at the contact address below.
Joining the mailing list is entirely optional and is separate from the app. The app asks for an email address in exactly one place — signing in to cloud backup — and that address is used to identify your backup and nothing else. It is never added to the mailing list, and we do not link the addresses on our mailing list to any budget, subscription, or app installation.
Our website is hosted on Cloudflare Pages, which keeps its own standard request logs.
7. If you email us
If you write to us for support, we have your email address and whatever you told us, for as long as it takes to help you and to keep a record of the conversation. That is ordinary correspondence, not data collection, and we do not add you to any list because you asked a question.
8. Children
Money Hack Budget is not directed at children under 13, and we do not knowingly collect personal information from them. The app never asks for a name or an age, and asks for an email address only if you choose to sign in to cloud backup. If you believe a child has provided us with personal information — by emailing us, for instance — write to us and we will delete it.
9. Your rights
Privacy laws including the GDPR and the CCPA give you the right to see, correct, export, and delete the personal information a company holds about you. Here is exactly what that means for each thing we might have.
Your budget: if you have not turned on cloud backup, we do not hold it, so there is nothing for us to show or delete. It is already entirely in your hands — view it, change it, export it to a file, or delete it by removing the app.
Your cloud backup and the account holding it, if you turned it on: open the app, go to Settings → Cloud backup, and tap Delete my account and cloud copy. Your email address, your account, and the uploaded budget are removed immediately and permanently; we keep no copy afterwards and cannot restore it. The budget on your phone is untouched. If you cannot open the app, write to us from the address on the account and we will do it — always within 30 days. Full details: moneyhackforever.com/delete-account.
Your email address, if you gave us one: write to us and we will show you what we have, correct it, or delete it. No charge, and no reason required.
We do not sell personal information, we have no arrangement under which anyone pays us for it, and we do not share it for advertising.
10. Changes to this policy
If the app ever begins collecting something it does not collect today — syncing across devices, for example — we will update this policy and say so plainly in the app before it starts. We will not begin collecting anything quietly.
The effective date at the top tells you when this was last changed.
11. Contact
Money Hack LLC
Money Hack Budget is a budgeting tool. It helps you plan and track your own money. It is not a financial adviser, and nothing in the app is financial, investment, tax, or legal advice.