Last updated: August 14, 2026
This Privacy Policy explains what information Budgetoria (operated by Loutronics, d/b/a Budgetoria — "we," "us") collects, how we use it, and the choices you have. It applies to budgetoria.com, app.budgetoria.com, and our SMS service.
We use a small set of processors to run the Service: Amazon Web Services (hosting, storage, SMS delivery), Plaid (bank connectivity), Stripe (payments), xAI (AI text generation), and Cloudflare (DNS and email routing). Each receives only the data required for its function.
Budgetoria is a family product: members of the same household see shared budget and transaction information by design. Adults you add can view spending and edit budgets; kid-role members can ask questions but cannot change budgets. Do not add members you don't want to share this information with. Sharing with people outside your household is a separate feature with much tighter limits — see the next section.
An adult in your household can nominate up to three people outside the household as accountability partners, and choose which budget categories those people are told about. When a watched category goes over its limit for the month, we text them. Because those people never signed up with us, this section spells out exactly what happens.
Nobody is texted on somebody else's say-so alone. The member nominating a partner has to confirm the partner has agreed to hear from us. We then send that number one text containing a six-digit code and nothing else. Until they reply with it they receive no nudges and learn nothing about your household. Silence is not consent, so we never treat a number that has not answered as a partner.
What a partner is told. A nudge names two things and only two: the first name of the member who nominated them, and the name of the budget category that went over. It is a fixed sentence with nowhere for a number to go. Partners never see an amount, a limit, a percentage, a merchant, a transaction, an account, a balance, or your household's name. Nor can a partner ask our texting service about your money — it will not answer questions from them. Budgets belong to the whole household, so a nudge tells a partner that the household went over a category the member asked them to watch. It does not say who spent what. A child's own namesake budget can never trigger one.
How often. At most one text per partner, per watched category, per calendar month.
If you were nominated as an accountability partner. You are not our customer, you have no account with us, and you owe us nothing. Reply NO to the invitation to turn it down, or STOP to turn it down and be added to our do-not-text list — either way we say so once and then leave you alone. Reply HELP, or email support@budgetoria.com, to ask what we hold about you, correct it, or have it deleted. We will not tell the person who nominated you anything beyond the fact that you declined.
Why we remember a "no". When you decline we write a small, separate record: your number, the household that invited you, and the date. We keep it after that household removes you from their list, and it is the reason you only have to say no once — without it, someone could remove you, add you back, and ask again. It holds nothing but those three facts, is never used for anything else, and is deleted when that household deletes its account. If you would rather we did not hold it, email us and we will remove it — though that household will then be able to invite you again.
Transaction and budget data are retained while your account is active. Chat history is retained for 90 days. When you delete your household in the portal we delete its data straight away — including every accountability partner record and every decline record belonging to it (Section 10).
Two kinds of record are kept on purpose. A decline record outlives the nomination it refused, for as long as the inviting household exists, so a "no" cannot be undone by removing and re-adding someone (Section 6). And a do-not-text record — a number and a date, nothing else — is kept indefinitely, because deleting it is the one thing that could cause us to text someone who told us to stop.
Data is encrypted in transit (TLS) and at rest. Bank access tokens are stored encrypted in AWS. Access is limited to what the Service needs to operate. No system is perfectly secure; if a breach affecting your data occurs, we will notify you as required by law.
Accounts may only be created by adults 18+. Household "kid" members may receive and send texts with a parent or guardian's consent; we collect only their phone number and message content, and only to provide the Service. A child's own namesake budget can never trigger an accountability-partner text, and accountability partners must be adults.
We'll announce material changes to this policy by email, text, or in the portal before they take effect. Questions or requests: support@budgetoria.com.