Privacy Policy

We take your privacy seriously. Learn how we collect, use, and protect your personal information.

Privacy Policy for ZenBucks

Last updated: October 13, 2025

At ZenBucks, we take your privacy seriously. This Privacy Policy outlines our practices concerning the handling of user data. By using ZenBucks, you agree to both this Privacy Policy and our Terms of Service.

What Information ZenBucks Collects

Information You Provide

  • Account Information: When you sign in with Google or Apple, we receive basic account information (email address, name, and profile picture).
  • Financial Data: The transactions, categories, and budgets you create in the app.
  • App Settings: Your preferences for the app, such as balance visibility settings.

Information Collected Automatically

  • Basic Device Information: Type of device, operating system version, and app version to help with troubleshooting.
  • App Usage Analytics: We collect basic usage information such as app opens, session duration, and general app usage patterns. This data is anonymous and used solely to improve the app experience.

Permissions We Request

ZenBucks may request access to certain device features or permissions to provide its core functionality:

  • Notifications: Used to send reminders and updates related to your financial goals or transactions.
  • Camera and Photos/Media: Used when you scan receipts or upload images from your gallery.
  • Internet Access: Required to sync your data with the cloud and enable AI features.

We do not request or access your contacts, SMS, microphone, or location data.

How Your Information is Used

Your information is used only for the following purposes:

  • To provide the core functionality of the app (expense tracking, categorization, budget management)
  • To sync your data across your devices
  • To personalize your experience within the app
  • To communicate important updates about the app
  • To analyze app usage patterns and improve the app performance (through anonymous analytics)

Cloud Storage and Security

Your data is stored securely in the cloud. We use industry-standard security measures to protect your information. All data is encrypted in transit and at rest.

AI Features

Our AI buddy feature processes text input to help you add transactions. When you interact with the AI buddy:

  • Your message is sent securely to OpenAI's API to extract transaction details.
  • Only the text you input for that specific interaction is processed.
  • No chat history or personal information is stored externally—only the resulting transactions are saved to your ZenBucks account.

Subscriptions and Payments

ZenBucks offers both free and paid plans.

  • Note: Unlimited AI usage (beyond free credits) and advanced analytics require a ZenBucks Pro subscription.
  • All in-app purchases and subscriptions are processed securely through Google Play Billing (for Android users) or Apple’s App Store payment system (for iOS users).
  • We do not process or store your payment details directly.

Third-Party Services and Data Sharing

We do not sell or rent your personal information to anyone. Your data is only shared with third-party services as necessary to provide the app's features:

  • Authentication services for secure sign-in
  • Cloud storage providers for data storage and synchronization
  • AI service providers for the AI buddy feature
  • Third-party analytics services for anonymous usage analytics

Each of these services has their own privacy policies and security measures in place.

Your Rights and Choices

You have the following rights regarding your data:

  • Access: View the data stored in your account through the app.
  • Correction: Edit your transactions, categories, and budget information at any time.
  • Deletion: Delete your account and associated data from your profile settings.
  • Data Export: Feature for exporting your data will be available in a future update.

Data Retention

Your data is retained as long as you maintain an account with ZenBucks. If you delete your account, your personal data will be permanently removed from the database.

Children's Privacy

Our service is not directed to children under 13 years of age. We do not knowingly collect any data from children under 13.

Financial Disclaimer

ZenBucks is a tool for personal financial tracking and is not a substitute for professional financial advice. You should consult with a qualified financial advisor before making important financial decisions.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Users will be notified of any changes by posting the new Privacy Policy in the app and updating the "Last updated" date at the top.

Contact Information

If you have any questions about this Privacy Policy or ZenBucks, please contact us at:

  • Email: jameszackcontact@gmail.com

App Store Compliance

This app complies with both Apple's App Store Review Guidelines and Google Play Store policies regarding privacy and data collection. Depending on where you downloaded the app:

  • iOS Users: Apple's Usage Rules in their App Store Terms of Service apply in addition to this Privacy Policy.
  • Android Users: Google Play's Terms of Service apply in addition to this Privacy Policy.