BudgetLoop Privacy Policy

Last updated: 5 August 2026

Who this policy is from

BudgetLoop is developed and published by CEM GOKCE, a sole proprietor based in the Netherlands.

• App: BudgetLoop for iPhone (bundle identifier com.budgetloop.app)
• Contact: ecomcg90@gmail.com

This policy applies only to the BudgetLoop iOS app. It does not cover the App Store itself, which is operated by Apple under Apple's own privacy policy.

What the developer collects

Nothing. BudgetLoop does not collect, receive, transmit, sell, or share any personal data.

Specifically, the app has:

• no backend or server of any kind;
• no account, sign-up, or login;
• no analytics, crash reporting, or telemetry;
• no advertising and no ad identifiers;
• no tracking of any kind, across this app or any other app or website;
• no third-party SDKs or libraries, so the app has zero third-party dependencies.

BudgetLoop never sends your data anywhere, and will function with your device in Airplane Mode. There are only two exceptions, and neither one involves your budget data: purchases and purchase restoration, which Apple handles (see below); and the two links in Settings to this policy and to the Terms of Use, which open in Safari when you tap them.

What data you create, and where it lives

When you use BudgetLoop you enter information such as:

• your monthly budget target and per-category spending limits;
• income and expense entries: amount, date, category, and any note you type;
• categories you create or rename;
• settings such as currency, language, theme, and the day your budget month starts.

All of this is stored only on your iPhone, using Apple's SwiftData framework, inside the app's own protected sandbox. It is not uploaded anywhere. The developer has no ability to see it, retrieve it, or restore it.

Because the developer never receives this data, there is no server-side retention period. The data exists for as long as you keep the app installed, and is deleted when you delete it (see "Deleting your data" below).

Device backups

If you have iPhone backups enabled, BudgetLoop's data may be included in your own encrypted device backup, either to iCloud or to a computer. That backup belongs to you and is handled by Apple under Apple's terms and privacy policy. The developer has no access to it and cannot read it. You can control this in iOS Settings → your name → iCloud.

The Keychain entry for the free trial

BudgetLoop offers a 7-day free trial. To keep track of it, the app stores the date of first launch. This date is kept in your app's local preferences and also in the iOS Keychain, so that deleting and reinstalling the app does not restart the trial.

That Keychain entry contains a single date and nothing else. It holds no name, no email address, no identifier, and no financial information. It is stored by iOS on your device and is never transmitted to the developer. Trial status is calculated entirely on the device.

Purchases

BudgetLoop offers a one-time lifetime unlock and a yearly auto-renewing subscription. All purchases are processed by Apple through the App Store, using Apple's StoreKit framework.

• You pay Apple, not the developer directly.
• The developer never sees, receives, or stores your payment card details, billing address, Apple Account email, or any other payment information.
• The app only reads, from Apple on your device, whether a purchase is currently active, so it knows to unlock the paid features.
• The App Store may provide the developer with aggregate, anonymised sales and subscription reports. These are produced by Apple, contain no information identifying individual customers, and are governed by Apple's privacy policy.

Apple's handling of your purchase is described in Apple's Privacy Policy at apple.com/legal/privacy.

Exporting your data

You can export your transactions to a CSV file from the app's Settings screen. The file is generated on your device and handed to the standard iOS share sheet, where you choose what happens to it: save it to Files, email it to yourself, or send it to another app.

Once you share that file, it leaves BudgetLoop and is governed by whatever service or app you send it to. The developer is not involved in and has no visibility of that step. Please treat the exported file as sensitive: it contains your financial entries in plain text.

Deleting your data

You have two ways to remove everything:

1. In the app: delete individual transactions and categories, or use the delete-all-data option in Settings. This permanently erases the data from your device.
2. Delete the app: removing BudgetLoop from your iPhone deletes its entire sandbox, including all budgets, transactions, categories, and settings.

Two things to be aware of. First, if you have a device backup, a copy of the data may still exist in that backup until the backup is replaced or removed, and that is under your control in iOS Settings. Second, the first-launch date in the Keychain may persist after you delete the app; that is deliberate, so the free trial cannot be restarted by reinstalling, and it contains no personal information. Your purchase history stays with your Apple Account and is managed by Apple.

Because the developer holds no copy of your data, there is nothing to request deletion of from the developer.

Children's privacy

BudgetLoop is a general-audience budgeting tool and is not directed at children. Since the app collects no data at all and transmits nothing, it collects no data from children either. Nothing in the app allows a child to disclose personal information to the developer or to anyone else. Parents who have questions can contact ecomcg90@gmail.com.

GDPR and UK GDPR

Under the EU General Data Protection Regulation and the UK GDPR, a "controller" is the party that determines the purposes and means of processing personal data. Processing requires that personal data actually be processed by that party.

The developer of BudgetLoop does not act as a controller or processor of your personal data, because the developer never receives, accesses, or otherwise processes any personal data from the app. The data you enter is processed exclusively on your own device, by software running under your control, and is never transmitted. There is no transfer of personal data to the developer, and consequently no international transfer of personal data, no lawful basis to establish, and no records of processing to keep in respect of app users.

The practical consequence is this. The data subject rights under Articles 15 to 22 GDPR (access, rectification, erasure, restriction, portability and objection) are rights exercised against a controller. There is no developer-held data set to exercise them against. You have direct and complete control instead: you can view, correct, export (CSV), and permanently delete everything from within the app at any time.

If you believe this assessment is wrong for your situation, please write to ecomcg90@gmail.com and it will be looked into. You also always have the right to lodge a complaint with a supervisory authority. In the Netherlands, that is the Autoriteit Persoonsgegevens (autoriteitpersoonsgegevens.nl); in the UK, the Information Commissioner's Office (ico.org.uk).

Note that when you buy the lifetime unlock or the yearly subscription, Apple processes your personal data as a separate controller for that transaction. Apple's role is set out in Apple's own privacy policy.

California residents (CCPA / CPRA)

The developer does not collect any categories of personal information from BudgetLoop users, and therefore:

• does not sell personal information;
• does not share personal information for cross-context behavioural advertising;
• does not use or disclose sensitive personal information;
• has not disclosed personal information to any third party for a business purpose;
• retains no personal information about users.

Because nothing is collected, there is no personal information held by the developer to know about, delete, correct, or opt out of. You will never be discriminated against for exercising any privacy right. If you want to confirm this in writing, contact ecomcg90@gmail.com.

Other jurisdictions

BudgetLoop is available worldwide through the App Store. The "no data is collected" position above applies equally everywhere the app is sold, regardless of local privacy law. Where a local law grants you rights against a party that holds your personal data, those rights have no data set to attach to here, because the developer holds none.

Security

Your BudgetLoop data is protected by the security of your own iPhone: the app sandbox, iOS file-level encryption, and your passcode, Face ID or Touch ID. There is no server to breach and no transmitted data to intercept, because the app never sends your data anywhere. Keeping your device passcode-protected and running a supported version of iOS is the most effective thing you can do to protect this data.

Changes to this policy

If the app ever changes in a way that affects privacy, this policy will be updated before or at the same time as the change ships, and the "last updated" date at the top will change. Because the app has no server behind it, it cannot notify you inside the app. The current version of this policy is always the one published at this address. Material changes will also be described in the App Store release notes for the version that introduces them.

Contact

Questions about privacy in BudgetLoop:

• CEM GOKCE, sole proprietor, Netherlands
• ecomcg90@gmail.com

A postal address is available on request for formal correspondence.