Privacy Policy for Confident Budget

Last Updated: 2026-01-27

1. Introduction

Welcome to Confident Budget. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains what information we collect, how we use it, and your rights in relation to it.

Confident Budget is a financial tracking application integrated with Telegram. By using our application, you consent to the data practices described in this policy.

2. Information We Collect

A. User Account Data (via Telegram)

When you use Confident Budget, we authenticate you via your Telegram account. We verify and store the following public Telegram information:

Telegram User ID (Unique identifier)
First Name & Last Name
Username
Profile Photo URL
Language Code

B. Financial Data

To provide our core services (budgeting and expense tracking), we collect and store:

Accounts: Names, types (asset, liability, etc.), and balances.
Transactions: Dates, amounts, payees, and descriptions.
Budgets: Configuration of budget periods, limits, and categories.
Import Data: CSV files and parsed transaction data you upload for import.

C. AI & Usage Data

If you use our AI features (e.g., chat assistant):

Chat History: To ensure the AI can understand the context of your requests, we retain a limited history of your most recent interactions (up to the last 15 messages). Older messages are automatically discarded and are not permanently stored.
Usage Logs: We track the number of tokens used, models accessed, and associated costs to manage your usage limits.
Input Data: Text and data you submit to the AI assistant is processed to generate responses.

3. How We Use Your Information

We use your information to:

Provide the Service: Store and organize your financial records.
Authenticate Users: Securely log you in via Telegram.
AI Assistance: Process your queries to provide financial insights and automated categorization.
Improve the App: Analyze usage patterns (e.g., error rates, feature popularity) to fix bugs and enhance performance.
Customer Support: Address issues you report via our feedback features.

We do not sell your personal data. However, we share necessary data with trusted third-party service providers to operate the app:

Cloud Infrastructure: Our database and application rely on secure cloud hosting providers to store your data.
AI Providers: When you use AI features, the text of your query and necessary context (which may include transaction details you provide in that specific chat) are sent to third-party Large Language Model (LLM) providers for processing.
AI Processing: While we send data to LLM providers to generate responses, we utilize enterprise-grade APIs where available to ensure your data is not used to train the providers’ foundational models.

5. Data Retention and Security

Retention: We retain your data as long as your account is active. You may request deletion of your data at any time.
Security: We use industry-standard encryption and security measures to protect your data in transit and at rest. However, no method of transmission over the Internet is 100% secure.

6. Your Rights

You have the right to:

Access: Viewing your data within the application.
Correction: Updating your data (e.g., editing transactions).
Deletion: You can delete specific data within the app, or request permanent account deletion by emailing support@confidentbudget.com. See our Data & Account Deletion page for details. Deletion is permanent and data cannot be recovered.
Export: You can export your transaction history.

7. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page or through the application.

8. Contact Us

If you have questions about this Privacy Policy, please contact us via the support channels provided in the application (e.g., the “Issues” or “Feedback” section).