Privacy Policy
Effective date: 6 July 2026
This Privacy Policy explains how Unitech Consultancy Services ("we", "us") handles information when you visit the Smart Budget Tracker website and when you use the Smart Budget Tracker applications (Basic, Premium, and Business editions, together the "Apps").
The short version: your financial data lives on your own device, not on our servers. We cannot see your transactions, budgets, accounts, or balances. The only personal information we receive is what you choose to send us — for example, your email address when you contact us or subscribe to the newsletter, and your purchase details processed by Gumroad when you buy a paid edition.
1. Your financial data stays on your device
The Apps are designed to be local-first:
- All transactions, budgets, categories, accounts, goals, and reports are stored in your browser's local storage on your own device. This data is never transmitted to us.
- In the Premium and Business editions, you can enable password protection, which encrypts your stored data with AES-256 encryption. The password and encryption key exist only on your device. We cannot recover your data if you forget your password, because we never have access to either.
- Files you export (JSON, CSV, Excel, or PDF) are generated on your device and saved wherever you choose. We never receive copies.
2. Information we do collect
- Contact form: if you write to us, we receive the name, email address, and message you provide, and we use them only to respond to you.
- Newsletter: if you subscribe, we store your email address to send occasional product updates and money tips. Every email includes an unsubscribe link, and unsubscribing removes you from the list.
- Purchases: paid editions are sold through Gumroad. Gumroad processes your payment and shares with us the information needed to fulfil your order (such as your email address and the product purchased). We never see or store your card or banking details. Gumroad's own privacy policy applies to the payment process.
- License activation: when you activate a Premium or Business edition for the first time, the App sends your license key to Gumroad's verification service over an encrypted connection to confirm the purchase. No financial data from the App is included in this check. After activation, the Apps work fully offline.
3. What we don't do
- We do not sell, rent, or trade your personal information to anyone.
- We do not display third-party advertising.
- We do not collect analytics that identify you personally.
- We do not have access to the financial data inside the Apps — and cannot access it even if asked.
4. Cookies and local storage
Our website uses a small number of cookies and local-storage entries:
- Essential/preference storage: we remember choices such as your cookie-consent decision and theme preference. These stay in your browser.
- Embedded video: the demo video on our homepage is hosted on YouTube. It loads only after you press Play; at that point YouTube (Google) may set its own cookies under Google's privacy policy. If you never press Play, YouTube is not loaded.
- Fonts and libraries: the website and Apps load fonts and open-source libraries from content-delivery networks (Google Fonts, cdnjs). These providers may log technical data such as your IP address in order to serve the files.
You can decline non-essential cookies via the banner on our website, and you can clear all locally stored data at any time through your browser settings. Note that clearing site data for the Apps will delete your budget data too — export a backup first.
5. Data retention
Contact messages are kept only as long as needed to handle your request. Newsletter emails are kept until you unsubscribe. Data inside the Apps is retained on your device until you delete it (via "Clear All Data" / "Erase all data" in the App, or by clearing your browser storage).
6. Security
We rely on your device's security plus the optional AES-256 encryption in paid editions. We recommend enabling password protection if others share your computer, keeping regular JSON backups in a safe place, and using an up-to-date browser.
7. Your rights
Depending on where you live, you may have rights to access, correct, delete, or receive a copy of the personal information we hold about you (which is limited to what is described in section 2). To exercise any of these rights, email us at palanister@gmail.com and we will respond within a reasonable time. Because your financial data is stored only on your device, you can access, export, and delete it yourself at any time from within the Apps.
8. Children
The website and Apps are not directed at children, and we do not knowingly collect personal information from children. If you believe a child has provided us personal information, contact us and we will delete it.
9. Changes to this policy
If we change this policy, we will post the updated version on this page with a new effective date. Material changes will be highlighted on the website.
10. Contact
Unitech Consultancy Services
90/3, Eldams Road, Teynampet, Chennai-600018
Email: palanister@gmail.com