Privacy Policy

Last Updated: January 4, 2026

Introduction

Loaded - The Personal Budget Tracker ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information when you use our mobile application.

Information We Collect

Information You Provide

• Account Information: When you create an account, we collect your email address and password (encrypted)
• Financial Data: Transaction details, amounts, dates, merchants, categories, and notes you manually enter
• Budget Information: Budget amounts, spending limits, and financial goals you set
• Imported Data: Bank transaction data when you import CSV files from supported banks

Automatically Collected Information

• Device Information: Device type, operating system version, and unique device identifiers
• Usage Data: App features used, session duration, and interaction patterns
• Error Logs: Crash reports and error logs to improve app stability

How We Use Your Information

We use the collected information to:

• Provide and maintain the Loaded service
• Sync your data across your devices
• Categorize transactions and provide spending insights
• Send you notifications about budget limits and spending patterns
• Improve app functionality and user experience
• Provide customer support
• Ensure security and prevent fraud

Data Storage and Security

Security Measures

• All data is encrypted in transit using TLS/SSL
• Passwords are hashed using industry-standard encryption
• Data is stored on secure servers provided by Appwrite
• We implement role-based access controls
• Regular security audits and updates

Data Location

Your data is stored on servers located in the European Union (Frankfurt, Germany) through our backend service provider, Appwrite.

Data Sharing and Disclosure

We do NOT:

• Sell your personal information to third parties
• Share your financial data with advertisers
• Use your data for marketing purposes without consent

We MAY share information only in these circumstances:

• With Your Consent: When you explicitly authorize us to share information
• Service Providers: With trusted third-party service providers (Appwrite) who assist in operating our app
• Legal Requirements: When required by law, court order, or legal process
• Safety and Security: To protect the rights, property, or safety of Loaded, our users, or the public

Your Rights and Choices

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and associated data
• Data Portability: Export your data in a machine-readable format
• Opt-Out: Disable notifications and certain data collection features

To exercise these rights, contact us at george@georgeoc.com

Data Retention

• Active accounts: Data is retained while your account is active
• Deleted accounts: Data is permanently deleted within 30 days of account deletion
• Backup data: May be retained for up to 90 days for disaster recovery purposes

Children's Privacy

Loaded is not intended for users under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.

Third-Party Services

Our app uses the following third-party services:

Appwrite

• Purpose: Backend services, authentication, and data storage
• Data Shared: All user-generated content
• Privacy Policy: https://appwrite.io/privacy

Sentry

• Purpose: Error tracking and crash reporting
• Data Shared: Error logs, device information, app version
• Privacy Policy: https://sentry.io/privacy/

Cookies and Tracking

We do not use cookies or third-party tracking technologies for advertising purposes. We only use essential session data to maintain your logged-in state.

International Data Transfers

If you are accessing Loaded from outside the European Union, please note that your information may be transferred to, stored, and processed in the EU where our servers are located. By using the app, you consent to this transfer.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the new Privacy Policy in the app
• Sending you an email notification (if you've provided an email)
• Displaying a prominent notice in the app

Your continued use of Loaded after changes become effective constitutes acceptance of the revised policy.

Data Breach Notification

In the event of a data breach that affects your personal information, we will:

• Notify affected users within 72 hours
• Describe the nature of the breach
• Provide recommended actions to protect your information
• Report to relevant data protection authorities as required by law

California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to access your personal information
• Right to equal service and price

European Privacy Rights (GDPR)

If you are in the European Union, you have rights under the General Data Protection Regulation:

• Right to be informed about data collection
• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Rights related to automated decision-making

Contact Us

Consent

By using Loaded, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

Note: This privacy policy is provided as a template. Please consult with a legal professional to ensure compliance with all applicable laws and regulations in your jurisdiction.