Privacy Policy

Overview

ML Cloud Technologies, operating FireBudget ("we", "our", or "us"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our budgeting service and website.

By using FireBudget, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Personal Information

When you create an account, we collect:

• Email address (required for account creation and notifications)
• Password (encrypted and stored securely)
• Account preferences and settings

We may also collect email addresses through newsletter signup forms on our website for marketing communications.

Payment Information

When you subscribe to our paid service:

• Payment details are processed securely by our payment processor
• We store only your subscription status and billing period
• Credit card information is not stored on our servers and is processed securely by our payment processor

Financial Data

To provide our budgeting service, we store:

• Budget categories and amounts you create
• Transactions you manually enter or import
• Account balances and names you provide
• Payee information for transactions

We do not connect to your bank accounts or collect actual banking credentials. Financial data is manually entered by you or imported from files you upload.

Usage Data

We automatically collect:

• IP address and browser information
• Pages visited and features used
• Session duration and frequency of use
• Device type and operating system
• Application errors and performance data (for debugging and improvement)
• Content delivery metrics (for website performance optimization)

We may collect additional usage data as needed to improve service performance and security.

How We Use Your Information

• Service Delivery: To provide and maintain the FireBudget application
• Account Management: To manage your user account and authentication
• Payment Processing: To handle subscriptions and billing through secure payment processors
• Communication: To send important service updates, respond to support requests, and deliver newsletter content
• Improvement: To analyze usage patterns, monitor errors, and improve our service performance
• Security: To monitor for suspicious activity and protect against fraud

We do not sell your data, use your financial information for advertising, or share your budget details with third parties for marketing purposes.

Legal Basis for Processing

We process your personal data under the following legal bases:

• Contract Performance: To provide our budgeting services and fulfill our service agreement with you
• Legitimate Interest: For service improvement, security monitoring, fraud prevention, and technical support
• Consent: For marketing communications and newsletters (consent can be withdrawn at any time)
• Legal Obligation: When required by applicable laws or regulations

Data Security

We implement industry-standard security measures to protect your information:

• All data transmitted is encrypted using HTTPS/TLS
• Passwords are securely hashed and encrypted
• Database access is restricted and monitored
• Regular security audits and updates
• Regular data backups are maintained with secure storage and access controls

Cookies and Tracking

We use essential cookies to:

• Keep you logged into your account
• Remember your preferences and settings

Third-party services we use (such as analytics, chat support, and error monitoring) may also set their own cookies to provide their functionality.

You can disable cookies in your browser, but this may affect functionality.

Data Sharing

We may share your information only in these limited circumstances:

• Service Providers: With trusted vendors who help us operate the service (hosting, email delivery, analytics, payment processing, customer support, error monitoring, content delivery, email marketing)
• Legal Requirements: When required by law, court order, or to protect rights and safety
• Business Transfer: In the event of a merger or acquisition (you will be notified)
• With Your Consent: When you explicitly authorize sharing

All service providers are contractually required to protect your data and use it only for specified purposes.

Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correct: Update inaccurate information in your account
• Delete: Request deletion of your account and data
• Export: Download your budget data in CSV format
• Opt-out: Unsubscribe from non-essential communications

To exercise these rights, contact us at support@firebudget.org

Data Retention

We retain your data only as long as necessary:

• Active Accounts: Data retained while your account is active
• Deleted Accounts: Most data is removed following account deletion requests, subject to technical and legal requirements
• Legal Requirements: Some data may be retained longer if required by law
• Backups: Secure backups may retain data for recovery purposes as required for operational or legal reasons

International Users

ML Cloud Technologies operates FireBudget from Malaysia. If you are accessing our service from outside Malaysia, please be aware that your information may be transferred to, stored, and processed in Malaysia and other locations where our servers and service providers are located.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes through one or more of the following methods:

• Email to your registered email address
• Notice in the FireBudget application
• Updating the "Last updated" date at the top of this policy

Your continued use of FireBudget after changes take effect indicates your acceptance of the updated policy.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at support@firebudget.org.