Last updated: 12 September 2026
Summary: You don't create an account. Your income, expenses, debts, assets and goals are stored only on your own device; we never save them to a database. It's different when you choose to use the AI Financial Coach: your question, plus a numeric financial summary needed to answer it, is sent through FullBudget's server to OpenAI, a third-party AI provider. That request is processed and not stored in a persistent database on our server. If you never use the AI Financial Coach, none of this ever happens. The app also contacts a few other outside services for exchange rates, gold prices, fonts and file-reading libraries; every one of them is listed below.
FullBudget is a personal budgeting app. Contact: info@fullbudget.app
FullBudget has no user accounts. There is no sign-up screen; we ask for no email, phone number, name or password. We use no analytics, tracking pixels, advertising identifiers or cookies.
In normal use (entering income/expenses/debts/assets, reports, goals) none of your data is sent to us — it stays on your device only, as described in section 3 below.
The one exception is the AI Financial Coach, which you use by choice: when you use it, your question and a financial summary needed to answer it are sent to FullBudget's backend server. Section 4 explains this flow in detail.
Your income, expenses, account balances, debts, credit card details, goals and notes are stored only on the device you use, in your browser's own local storage. This data is never transmitted to us and cannot be seen by us.
Two consequences you should know:
The app is not fully offline. It connects to the services below. Your financial data is never sent to the first four rows (as with any internet connection, they can see your IP address and browser information). The last row — the AI Financial Coach — is the one deliberate exception, and it only happens when you choose to use that feature; details below the table.
| Service | Purpose | When |
|---|---|---|
| open.er-api.com | Current USD/EUR exchange rates | Each time the app opens |
| api.gold-api.com | Gold price per gram | Each time the app opens |
| fonts.googleapis.com fonts.gstatic.com | Typefaces (Google Fonts) | Each time the app opens |
| cdnjs.cloudflare.com | PDF reading and receipt recognition libraries | Only when you import a PDF statement or scan a receipt |
| FullBudget backend server → OpenAI | Generating AI Financial Coach answers | Only when you ask the AI Financial Coach a question |
What is sent when you ask the AI Financial Coach: the text of your question, plus a rounded, numeric financial summary — income, expenses, cash flow, debt items, credit card name/limit/balance (never the card number or last 4 digits), and goals. Your name, email, phone number, or account/card numbers are never part of this request, because the app never collects them in the first place. The request first reaches FullBudget's own backend server, which forwards it to OpenAI (a third-party AI provider) and returns the answer to you. The OpenAI API key lives only on our server and is never sent to your browser. FullBudget's server does not store this question/answer exchange in a persistent database; it is not retained server-side after the request is handled. OpenAI's own data-handling practices are outside FullBudget's control.
Without an internet connection the app keeps working; it falls back to the reference rates built into the app and says so on screen. Without a connection, or if the server is unreachable, the AI Financial Coach falls back to a generic template-based answer mode that does not use your data at all.
Since we don't persistently store your income, expenses, debts, assets or goals, there is nothing for us to delete there. To erase the data on your own device, clear the site data in your browser or uninstall the app. This cannot be undone.
Questions you've asked the AI Financial Coach are also not stored persistently on our server — they aren't retained server-side once a request is handled and answered, so there's likewise no separate "delete" request needed for those.
FullBudget is not directed at children under 13, and collects no personal data from anyone.
Because FullBudget processes no personal data, we act as neither a controller nor a processor for your financial information. The outside services listed above are independent controllers under their own privacy policies and see only technical connection information such as your IP address.
If features such as user accounts or cloud backup are added in future, this policy will be updated beforehand and those features will be optional; using the app without an account will always remain possible.
If this policy changes, the date at the top is updated. Any change that would require us to start collecting data will additionally be announced inside the app.
Questions: info@fullbudget.app
