Privacy Policy

Effective date: September 18, 2026

SayKos Software LLC ("SayKos Software LLC", "we", "us") operates MyFamBud, a family budgeting app. This policy covers everything we offer under the MyFamBud name: our website, the web app at myfambud.com/app, and the MyFamBud mobile apps for iOS and Android. It explains what information we collect, how we protect it, and the choices you have. We keep it short and plain.

1. What we collect

We only collect what the app needs to work:

• Account details - your email and name. If you sign in with Apple, Google, or Facebook, we receive a unique account ID from them instead of a password. If you use Sign in with Apple and choose Hide My Email, Apple gives us a private relay address ending in @privaterelay.appleid.com rather than your real one, and that relay address is the only address we hold for you. Mail we send to it is forwarded to you by Apple, and you can stop that forwarding at any time in your Apple Account settings.
• Your budget data - the income, accounts, categories, transactions, tags, net worth items, recurring payments, paycheck plans, and family member labels you enter.
• App preferences - such as your theme and preferred currency.
• Subscription details - your plan and billing status if you upgrade to Pro.
• Feedback - anything you send us through the in-app feedback form.
• Basic website analytics - basic usage data on our website and web app, only if you opt in (see section 5).
• Mobile app diagnostics - crash reports and error details from the iOS and Android apps, so we can find and fix problems (see section 5).

2. Your financial data is encrypted

We take protecting your money data seriously:

• Your financial data is encrypted at rest using AES-256 encryption, with a separate encryption key for each user.
• All traffic between your device and our servers is encrypted in transit over HTTPS.
• Passwords are never stored in plain text - they are hashed.

3. We don't sell or share your data

We do not sell your data. We do not share it with advertisers or data brokers. We do not use your budget data to build profiles about you. The only parties that ever touch your data are the service providers listed below, and only so the app can function.

4. Service providers we use

We rely on a few trusted providers to run MyFamBud:

• DigitalOcean - hosts our application and securely stores your encrypted data.
• Cloudflare - protects and delivers our website and app. All traffic between you and our servers passes through Cloudflare, which also handles our domain's DNS and forwards email sent to our support address.
• Google - for optional Google sign-in, for website analytics if you opt in, and, for the Android app, distribution and in-app purchases through Google Play.
• Apple - for optional Sign in with Apple, for distributing the iOS app through the App Store, and for any subscription you buy inside that app. With Sign in with Apple we receive only the account ID, and the name and email address you agree to share on the first sign-in; we never see your Apple Account password. Store purchases are handled by Apple, not by us; we receive your subscription status, never your payment details. The same applies to Google Play on Android.
• Facebook - for optional Facebook sign-in.
• Stripe - to process payments if you subscribe to Pro. Your card details go directly to Stripe; we never see or store your full card number.
• Email provider - to send account emails such as password resets.
• Grafana Labs - operational logging for our servers, so we can detect and diagnose problems. These logs contain internal record identifiers (like an account or transaction ID) and your hashed email (never in plain text) - never your account names, transaction amounts, notes, feedback text, or any other content you enter.

5. Analytics, cookies, and app diagnostics

Website and web app. MyFamBud uses Google Analytics to understand which pages are used, so we can improve the app. Analytics is off by default. It only turns on if you click "Accept" on our cookie banner, and it records basic page-view data - not your budget data. You can decline at any time, and declining does not affect how the app works.

Mobile apps. The iOS and Android apps contain no Google Analytics, no advertising identifiers, and no third-party tracking of any kind. They do send us crash reports and error details so that problems get fixed, and this is on by default. A report contains the app version, your device model, your operating system version, a random identifier for that installation of the app, and the technical detail of what went wrong. It never contains your budget data, and it goes only to our own servers - never to an advertiser, a data broker, or any analytics company. If you have a question or a request about these reports, email [email protected].

6. Your rights and controls

You are always in control of your data:

• You can view and edit all of your data inside the app at any time.
• Clear all data (in Settings) permanently removes your budget data while keeping your account.
• Delete account (in Settings) permanently removes your account and everything associated with it.
• Your account is deleted immediately from the live application. Some information may remain in secure backups for a limited period before being automatically removed. This cannot be undone.

For step-by-step instructions, including what to do if you can no longer sign in, see our Data Deletion page.

If you would like a copy of your data or have any other request (including rights under laws such as the California Consumer Privacy Act), email us at [email protected] and we will help.

7. Data retention

We keep your data for as long as your account is active. When you delete your data or your account, it is removed from our live systems immediately; a copy may remain in secure backups for a limited period before being automatically purged.

8. Children

MyFamBud is not directed to children under 13, and we do not knowingly collect data from them. If you believe a child has provided us data, contact us and we will remove it.

9. Changes to this policy

If we update this policy, we will change the effective date above and, where appropriate, notify you in the app. Continued use after an update means you accept the revised policy.

10. Contact

Questions about your privacy? Email [email protected]. MyFamBud is operated by SayKos Software LLC.