Privacy Policy

Welcome to Surplus Budget LLC ("Surplus," "we," "us," or "our"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and website.

We understand that financial information is particularly sensitive, and we take extra care to ensure your data is protected. We never sell your personal information, and we only use it to provide you with the best possible budgeting and financial tracking experience.

By using Surplus, you agree to the collection and use of information in accordance with this policy.

We use your information solely to provide and improve our services:

• Track Free Cash Flow: Calculate and display your available funds after expenses
• Categorize Transactions: Use AI (ChatGPT) to automatically categorize your spending
• Generate Insights: Provide reports and analytics about your financial habits
• Goal Tracking: Monitor progress toward your financial goals
• Net Worth Calculation: Aggregate your assets and liabilities
• Customer Support: Respond to your inquiries and resolve issues
• Product Improvement: Understand how features are used to make Surplus better
• Security: Detect and prevent fraudulent activity

We do NOT use your financial data for advertising, marketing to third parties, or any purpose other than providing you with budgeting and financial tracking services.

We work with trusted third-party services to provide you with the best experience:

Each of these services has their own privacy policy and data handling practices. We only share the minimum information necessary for them to provide their services.

We implement robust security measures to protect your information:

• Encryption: All data is encrypted both in transit and at rest
• Read-Only Access: We never store bank credentials; connections are read-only
• Face ID/Touch ID: Biometric authentication for app access
• CloudKit Security: Your data is stored in Apple's secure CloudKit infrastructure
• Bank-Level Security: 256-bit encryption for all financial data
• Regular Security Updates: We continuously update our security practices

While we implement industry-standard security measures, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security but are committed to protecting your data to the best of our ability.

You have complete control over your personal information:

Our website uses cookies and similar tracking technologies for:

• Essential Cookies: Required for the website to function properly
• Analytics Cookies: Help us understand how visitors use our website
• Marketing Cookies: Track effectiveness of our marketing campaigns

You can control cookies through your browser settings. Disabling cookies may limit some website functionality.

The Surplus mobile app does not use cookies but may collect analytics data to improve the user experience.

Surplus is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are under 13, please do not use Surplus or provide any information to us.

If we learn we have collected information from a child under 13, we will delete that information immediately. If you believe we might have information from or about a child under 13, please contact us at support@surplus-budget.com.

We retain your information only as long as necessary to provide our services:

• Active Accounts: Data is retained while your account is active
• Account Deletion: All data is immediately deleted upon account deletion
• Aggregated Data: We do not create or retain aggregated/anonymized data
• Legal Requirements: We may retain data if required by law

Unlike many services, we delete your data immediately upon request - no waiting periods or data retention after deletion.

We may update this Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last updated" date at the top
• Sending an email notification for significant changes
• Providing an in-app notification

We encourage you to review this Privacy Policy periodically for any changes.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

We take your privacy seriously and will respond to all inquiries within 48 hours.