Privacy Policy

Introduction

Welcome to https://operating-budget.pobb.net (hereafter referred to as “Operating-Budget,” “we,” or “our”). We are committed to protecting your privacy and ensuring that your personal data is handled with the utmost care and in accordance with applicable privacy laws. This Privacy Policy outlines our practices regarding the collection, use, and disclosure of personal information when you interact with our website, applications, services, and products.

Scope

This policy covers all aspects of Operating-Budget’s online presence, including but not limited to:

Our official website at https://operating-budget.pobb.net
Mobile and desktop applications developed by us
Online services and tools provided through our platform
Any other products or services offered under the Operating-Budget brand

Please note that this policy does not extend to third-party platforms, applications, or services that you access through links on our site. These entities have their own privacy policies, and we encourage you to review them before providing any personal information.

Processing Activities

This Privacy Policy guides your interactions when:

You sign up and use our applications or services as an authorized user.
You visit our websites linked to this policy.
You subscribe to receive communications from us, such as newsletters, promotional emails, phone calls, or text messages (SMS).

Personal Data Collection

We collect various categories of personal data, including:

Account Information: This includes your name, user ID, and password used to access our services.
Payment Information: Details related to your payment methods, such as credit card numbers, billing addresses, and payment history.
Financial Information: Data about your financial status, budget, or investments, if voluntarily provided.
Purchase Information: Records of products or services purchased from our platform, including transaction dates and amounts.
Mobile Device Identifiers: Unique identifiers assigned to your mobile device, such as IP addresses, device IDs, or advertising IDs.
Location Data: Geographic information provided by your device when you use our location-based services.
Feedback: Any comments, suggestions, or ratings you share with us through surveys or customer support channels.
Social Media Information: If you interact with us on social media platforms, we may collect data from these accounts, subject to their respective privacy settings.
Product Information: Details about the products or services that interest or purchase from our platform.

We gather this information through direct user input, tracking technologies, and interactions with our systems. Additionally, third parties, such as payment processors or analytics providers, may share personal data with us, always adhering to their privacy agreements.

Cookies

Operating-Budget uses cookies to enhance your online experience and for analytical purposes:

Strictly Necessary Cookies: These ensure basic functionalities of our platform, such as allowing you to log in and navigate through pages.
Preference Cookies: Remembering user preferences, language settings, and ad preferences to personalize your experience.
Analytics Cookies: Tracking aggregated data about website usage to improve our services and understand user behavior.

Users have the option to manage or opt-out of non-essential cookies through our Cookie Manager, providing control over their browsing experience.

Retention and Deletion

We retain personal data for as long as necessary to fulfill the purposes for which it was collected, including:

Processing transactions and delivering services requested by users.
Complying with legal obligations, such as tax or accounting requirements.
Conducting research and analytics to improve our platform and services.

Once the retention period expires or when data is no longer needed for these purposes, we will delete or anonymize your personal information unless subject to a legal obligation to preserve it.

Security Measures

We prioritize data security and implement robust safeguards to protect your personal data:

Employing encryption protocols for data transmission and storage.
Utilizing secure third-party processing partners who adhere to strict privacy standards.
Regularly reviewing and updating our security measures to adapt to emerging threats.

Children’s Privacy

Operating-Budget does not knowingly collect or solicit personal information from children under the age of 13 (or a higher age limit as required by local law). Our services are designed for general audiences, and we encourage parents and legal guardians to supervise their child’s online activities.

Your Rights

Depending on your location, you may have certain rights regarding your personal data:

Access: The right to request access to the personal information we hold about you.
Rectification: The right to ask for corrections if your data is inaccurate or incomplete.
Erasure (Right to be Forgotten): The right to request the deletion of your personal data in certain circumstances.
Restriction: Limiting the use or processing of your data for specific purposes.
Portability: Receiving a copy of your personal data in a structured, commonly used format and transferring it to another controller.
Objection: Objecting to the processing of your data for direct marketing or other purposes.
Non-Discrimination: The right to be free from discriminatory decisions based solely on your personal data.

To exercise these rights, please contact our privacy team using the information provided below. We will respond to your request as quickly as possible and within the timeframes prescribed by law.

Changes to Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any modifications will be posted on this page, and we encourage you to review it periodically. We will also notify you of any significant changes via email or through a notice on our website.

Contact Information

If you have questions, concerns, or requests regarding your privacy, please contact us:

Email: [email protected]
Mail: Operating-Budget Privacy Team, [Street Address], [City, State, ZIP Code]

We appreciate your trust in our handling of your personal data. This Privacy Policy was last updated on [Date].