Cake Budget Privacy Policy

Effective Date: April 1, 2025

Company: Cake Budget, LLC

Your privacy matters. This Privacy Policy describes how Cake Budget, LLC (“Cake Budget,” “we,” “our,” or “us”) collects, uses, and protects your information when you use our service.

1. What We Collect

We collect the following types of information:

Email address — used for billing, support, and notifications.
Transaction history — synced via Plaid and stored to power your budgeting tools.
Session data — stored via cookies for login and authentication only.
Anonymous usage data — via PostHog and Sentry for improving the product and fixing bugs.

We do not store your bank login information.

2. How We Use Your Data

We use your data to:

Provide and maintain the Cake Budget platform
Generate personalized budgeting insights (via OpenAI)
Notify you about subscription changes or important product updates
Improve the product through anonymous analytics

We anonymize transaction data before it’s shared with any AI provider.

3. Third-Party Services

We work with the following service providers:

Plaid — secure bank data integration
OpenAI — AI-powered budgeting insights (data anonymized)
Stripe — payment processing
PostHog — usage analytics and feature flags
Sentry — error and crash reporting
Render — cloud hosting

These providers have access to only the minimum necessary data to perform their roles.

4. Cookies

We use cookies solely for:

Authentication (e.g., keeping you logged in)
Session management

We do not use cookies for tracking, advertising, or behavioral analytics.

5. Data Retention and Deletion

If you delete your account, all associated data is permanently deleted from our servers.
Billing data may be retained for legal or tax compliance if required.

You may request a full export of your data or request deletion at any time by contacting contact@trycakebudget.com.

6. Your Privacy Rights

If you’re a California resident, you have rights under the CCPA, including:

The right to know what personal information we collect and use
The right to delete your personal data
The right to opt out of data sales (we do not sell your data)

We are working toward GDPR compliance for users in the EU.

7. Security

We encrypt all stored data using AES-256 encryption. We follow industry best practices and are pursuing SOC 2 compliance.

8. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we’ll revise the Effective Date above. Continued use of Cake Budget means you agree to the updated terms.

9. Contact Us

If you have questions or privacy concerns, contact us at:

📧 contact@trycakebudget.com 📍 Cake Budget, LLC