Master Your Money with Smart Budgeting

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Privacy Policy

Last updated: January 2026

Information We Collect

SmartBalance Ledger collects information to provide better budgeting services to our users. We collect:

• Personal information you provide when creating an account
• Financial data you choose to import or enter into our apps
• Usage information about how you interact with our services
• Device information and technical data for app functionality

How We Use Your Information

We use the information we collect to:

• Provide and improve our household budget apps
• Generate personalized financial insights and recommendations
• Ensure the security and integrity of our services
• Communicate with you about your account and our services
• Comply with legal obligations and protect our rights

Data Security

We implement bank-level security measures to protect your financial information, including encryption, secure data storage, and regular security audits.

Your Rights

You have the right to access, update, or delete your personal information. You can also opt out of certain communications and data processing activities.

Contact Us

If you have questions about this Privacy Policy, please contact us at [email protected].

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Terms of Service

Last updated: January 2026

Acceptance of Terms

By accessing and using SmartBalance Ledger's household budget apps, you accept and agree to be bound by the terms and provision of this agreement.

Service Description

SmartBalance Ledger provides household budget apps and financial management tools designed to help users track expenses, create budgets, and achieve financial goals.

User Responsibilities

Users are responsible for:

• Maintaining the confidentiality of their account credentials
• Providing accurate and up-to-date information
• Using the service in compliance with applicable laws
• Not sharing account access with unauthorized parties

Service Availability

We strive to maintain service availability but do not guarantee uninterrupted access. We may perform maintenance or updates that temporarily affect service availability.

Limitation of Liability

SmartBalance Ledger shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services.

Termination

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe violates these Terms of Service.

Contact Information

For questions about these Terms of Service, contact us at [email protected].

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Disclaimer

Last updated: January 2026

Financial Advice Disclaimer

The information provided by SmartBalance Ledger's household budget apps is for general informational purposes only. Our tools and recommendations do not constitute professional financial advice.

No Warranty

Our services are provided "as is" without any representations or warranties, express or implied. We make no representations or warranties in relation to the accuracy or completeness of the information provided.

Professional Consultation

For specific financial advice tailored to your situation, please consult with a qualified financial advisor, accountant, or other financial professional.

Data Accuracy

While we strive for accuracy in our budgeting tools and calculations, users should verify all information and not rely solely on our app for critical financial decisions.

Third-Party Services

Our app may integrate with third-party financial institutions and services. We are not responsible for the accuracy, availability, or reliability of third-party services.

Risk Acknowledgment

Users acknowledge that all financial decisions carry inherent risks and that past performance does not guarantee future results.

Updates and Changes

This disclaimer may be updated periodically. Continued use of our services constitutes acceptance of any changes.