Your financial data is yours. Here's exactly what we collect and why.
True Budget is a personal finance management application operated by Mikes App Hub, an Australian-based software provider ("we", "us", "our"). Our service is available at truebudget.mikesapphub.com.
This Privacy Policy explains how we handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) contained in Schedule 1 of that Act.
For privacy enquiries, contact us at support@truebudget.mikesapphub.com.
We collect two types of information: information you provide directly, and information generated through your use of the Service.
| Category | Data collected | Required? |
|---|---|---|
| Identity | First name, last name, username, date of birth | Yes |
| Contact | Email address, phone number (with country code) | Yes |
| Profile | Occupation, position / job title, profile picture (avatar), preferred currency | Optional |
| Authentication | Password (stored as a bcrypt hash — we never see your plain-text password) | Yes |
| Financial records | Account names and balances, transaction amounts, dates, descriptions, categories, recurring schedules | User-entered |
| Subscription | Chosen plan, promo code, subscription status, trial dates | At checkout |
| Payment | Payment is processed by Stripe. We do not store credit card numbers or bank details on our servers. | Paid plans |
| Category | Data collected |
|---|---|
| Session data | Login timestamps, session identifiers (stored server-side) |
| Activity logs | Account creation, login events, key actions (for security and audit purposes) |
| Device & browser | Basic browser/device type via standard HTTP headers (not tracked beyond session needs) |
We use the personal information we collect for the following purposes:
We will not use your information for any purpose incompatible with the above without your consent or as otherwise permitted by the Australian Privacy Principles.
We use a small number of trusted third-party providers to operate the Service. Each is bound by their own privacy policies and relevant data protection laws.
All subscription payments are processed by Stripe, Inc. When you subscribe to a paid plan, your payment information is collected and stored by Stripe under their Privacy Policy. We receive a token reference and billing status — we do not store card numbers, BSB details, or full account numbers on our servers.
We use Twilio for SMS delivery where applicable (e.g. notifications). Your phone number may be transmitted to Twilio to send messages. Twilio's data practices are governed by their Privacy Policy.
Transactional emails (verification, password reset, subscription notices) are sent via our configured SMTP provider. The email address you register with is transmitted to send these messages. We do not share your email address with mailing lists or marketing platforms.
Our website loads fonts from Google Fonts. This causes your browser to make a request to Google's servers; Google may log this request per their Privacy Policy.
The Family Hub feature allows you to invite other True Budget users to access specific accounts. When you use this feature:
If you are invited to join a family group, your name and profile information will be visible to the account owner. By accepting an invitation, you consent to this limited disclosure.
We retain your personal information for as long as your account is active and as needed to provide the Service.
You may export your financial data at any time from the Transactions page using the CSV export feature.
We take the security of your personal and financial information seriously. Our security measures include:
If you believe your account has been compromised, contact us immediately at support@truebudget.mikesapphub.com.
Under the Australian Privacy Principles, you have the following rights regarding your personal information:
You have the right to request access to the personal information we hold about you. Most of your data is visible directly in the app (profile settings, transaction history). For a full data export or to request information we hold that isn't visible in the app, contact us.
If you believe information we hold about you is inaccurate, incomplete, or out of date, you may update it directly in the app via Settings, or contact us to request a correction.
You may request deletion of your account and associated personal data at any time. We will process deletion requests within a reasonable time (generally within 30 days) subject to any legal obligations to retain certain records.
Where our processing of your data is based on consent (e.g. optional profile fields), you may withdraw that consent at any time by deleting the relevant information from your profile or contacting us.
Contact us at support@truebudget.mikesapphub.com with your request. We may need to verify your identity before processing the request. We will respond within 30 days.
The Service is not directed at children under the age of 16. We do not knowingly collect personal information from children under 16 without verifiable parental consent.
If you are a parent or guardian and believe your child has provided personal information to us without your consent, please contact us at support@truebudget.mikesapphub.com and we will promptly delete the information.
Some of the third-party services we use may store or process your data outside Australia. This includes:
Before disclosing personal information to an overseas recipient, we take reasonable steps to ensure that the recipient handles the information in a manner consistent with the Australian Privacy Principles, generally by relying on the recipients' published privacy policies and their compliance with equivalent international privacy frameworks (such as GDPR or the EU–US Data Privacy Framework for US-based entities).
By using the Service, you consent to your personal information being disclosed to these overseas third parties as described above.
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. When we make material changes, we will notify you by:
Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated policy. We encourage you to review this page periodically.
For privacy-related questions, requests, or concerns:
We will acknowledge your enquiry within 2 business days and aim to resolve privacy requests within 30 days.
If you are not satisfied with our response to a privacy concern, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC):