Data Retention Policy

Retention principles

The Budget Calendar keeps personal information only for as long as it is reasonably needed to provide the service, protect users, meet legal and accounting obligations, resolve disputes, and enforce agreements. Retention is based on the type, sensitivity, purpose, and legal requirements of the information.

Active accounts

Account, household, budget, transaction, connected-account, goal, and debt information is generally retained while your account remains active so the service can provide historical and current budgeting features.

Disconnected institutions

Disconnecting a financial institution stops new account data from being requested after the disconnection is processed. Previously imported financial information may remain until the related data or account is deleted, unless retention is required for security, dispute, or legal reasons.

Account deletion

You can cancel your account yourself from Settings. Cancelling stops any subscription immediately, ends automatic bank imports, and closes the account. Your budget, transactions, debts, and goals are then held for 30 days so the cancellation can be undone by signing back in and choosing Restore.

After the 30-day window your household and its data are deleted permanently by an automated job, along with your sign-in credentials, and cannot be recovered. Data may remain temporarily in encrypted backups or provider recovery systems until those systems cycle it out under their standard schedules.

If you share a household with someone else, the account owner cannot cancel while other members remain, because doing so would delete their budget too. Ownership can be handed to another member first, or the other members removed.

Deletion requests that fall outside this flow are still reviewed and handled individually. After verifying the requester and the scope, The Budget Calendar will delete or de-identify personal information that is no longer required for a legitimate business or legal purpose.

Some limited records may be retained when required for tax, accounting, fraud prevention, security, legal claims, or compliance obligations. Retained records remain protected and are used only for those purposes.

Operational records

• Security, authentication, and diagnostic records are kept only as long as reasonably needed to investigate abuse, maintain reliability, and meet legal obligations.
• Billing and transaction records may be retained for the period required by tax, accounting, chargeback, and payment laws.
• Support communications are retained while needed to resolve the request and maintain an appropriate service history.
• De-identified or aggregated information that cannot reasonably identify a person may be retained longer for analytics and service improvement.

Review and requests

The retention schedule will be reviewed periodically and when material services or legal requirements change. To request deletion or ask about retention, contact Ali Tooson, CEO, at alitooson@gmail.com. We may verify your identity before acting on a request.