Effective Date: April 2, 2026 | Last Updated: April 2, 2026
BreadTracker ("we," "us," "our") is a personal budgeting application owned and operated by Cactus Equity Group, LLC. This Privacy Policy explains what information we collect, how we use it, how we protect it, and your rights regarding your data.
BreadTracker is designed for use within the United States only. By using BreadTracker, you confirm that you are located in the United States.
We built BreadTracker to help people take control of their finances. We take that responsibility seriously, and that extends to how we handle your personal information. We do not sell, rent, or share your personal data with marketers or advertisers. We never will.
| Data Type | Examples | Why We Collect It | How It's Protected |
|---|---|---|---|
| Account Information | First name, last name, email address | To create and manage your account, and to communicate account status | Stored in our secured database; access restricted to your authenticated session only |
| Password | Your chosen password | To authenticate you securely | Converted to an irreversible cryptographic hash before storage — we never store, see, or have access to your actual password |
| Budget Data | Expense names, amounts, categories, income sources, credit card names, balances, payment amounts | To provide the core budgeting service — calculating your cash flow, tracking expenses, and generating reports | Isolated per-user in our database; only accessible through your authenticated session |
| Asset Information | Savings and brokerage account balances | To help you track your financial runway and overall net position | Same protections as budget data above |
| Settings & Preferences | Pay frequency, pay date, state, timezone | To customize your budget periods, tax estimates, and display preferences | Stored per-user; not shared or visible to other users |
Plaid (Bank Account Connections)
If you choose to connect a bank or credit card account, we use Plaid to facilitate that connection. When you connect an account through Plaid:
Plaid processes your information under its own privacy policy. We encourage you to review Plaid's End User Privacy Policy for details on what data Plaid collects and how they handle it.
Stripe (Payment Processing)
When you purchase lifetime access, payment is processed by Stripe, a PCI Level 1-certified payment processor (the highest industry standard). Important facts about how this works:
Stripe processes your payment data under its own privacy policy. See Stripe's Privacy Policy for details.
When you use BreadTracker, we automatically collect limited technical information for security purposes only:
We do not use third-party analytics, tracking pixels, advertising cookies, or any form of behavioral tracking. BreadTracker uses only essential session cookies required for authentication.
We use your information solely to provide and improve the BreadTracker service:
What we will never do with your data: We will never sell it. We will never rent it. We will never share it with advertisers. We will never use it to build profiles for third parties. Your budget data exists for one purpose — to help you manage your money.
We implement multiple layers of security to protect your data, following industry best practices for financial applications.
We regularly review and update our security practices. If you believe you've discovered a security vulnerability, please contact us immediately through the contact methods below.
We share your information only in the following limited circumstances:
| Recipient | What's Shared | Why |
|---|---|---|
| Plaid, Inc. | Financial account access tokens | To connect and refresh your bank/credit card balances (only when you initiate a connection) |
| Stripe, Inc. | Your name and email | To process your one-time payment (Stripe handles all card data directly) |
| Law Enforcement | As required by valid legal process | To comply with applicable U.S. law, regulation, or legal proceeding |
We do not share data with any other third parties. We do not use analytics services, advertising networks, or data brokers.
| Data Type | Retention Period |
|---|---|
| Account information | As long as your account is active, plus 30 days after deletion |
| Budget data (expenses, income, cards) | As long as your account is active |
| Historical snapshots | As long as your account is active |
| Plaid access tokens | Until you disconnect the account or delete your BreadTracker account |
| Payment records | 7 years (tax and legal compliance) |
| Security logs | 12 months |
When you delete your account or reset your data, we permanently remove your budget data, expense templates, income sources, credit card information, settings, and Plaid connections. This deletion is irreversible.
As a BreadTracker user, you have the following rights:
To exercise any of these rights, use the contact options provided below.
BreadTracker uses only essential session cookies required to keep you signed in. These cookies:
We do not use any third-party cookies.
BreadTracker is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children. If we become aware that a user is under 18, we will promptly delete their account and all associated data.
BreadTracker is designed for and available to users in the United States only. The service is hosted in the United States and is subject to U.S. law. We do not offer the service outside of the United States and make no representation that it complies with the laws of any other jurisdiction.
Under the California Consumer Privacy Act (CCPA) and similar state laws, you have the right to opt out of the "sale" of your personal information. BreadTracker does not sell, rent, or trade your personal information to any third party for any purpose. Because we do not engage in any sale of personal data, there is no opt-out mechanism required.
We may update this Privacy Policy from time to time. If we make material changes, we will notify you by email (using the address associated with your account) and/or by posting a prominent notice within the application at least 30 days before the changes take effect.
The "Last Updated" date at the top of this page reflects the most recent revision.
If you have questions about this Privacy Policy or how we handle your data, please contact us:
We aim to respond to all privacy inquiries within 30 days.
BreadTracker is a budgeting tool designed to help you organize and visualize your personal finances. BreadTracker is not a financial advisor, investment advisor, tax advisor, or legal advisor.
The information, calculations, projections, and recommendations provided within the application (including but not limited to savings recommendations, minimum salary estimates, tax estimates, and emergency fund guidance) are for informational and educational purposes only. They should not be construed as personalized financial advice, tax advice, investment advice, or any other form of professional counsel.
All tax calculations are estimates based on publicly available federal and state tax brackets and standard deduction amounts. They do not account for your full tax situation, including but not limited to: itemized deductions, tax credits, alternative minimum tax, self-employment tax, capital gains, or other factors that may affect your actual tax liability. You should consult a qualified tax professional for advice specific to your situation.
Savings recommendations, salary estimates, and other financial projections are based on general financial principles and the data you provide within the application. Actual results will vary based on your individual circumstances. Past financial performance and current projections do not guarantee future results.
Before making any financial decisions, including but not limited to changing jobs, adjusting savings rates, modifying investment strategies, or taking on or paying off debt, you should consult with a qualified financial professional who can evaluate your complete financial picture.
By using BreadTracker, you acknowledge and agree that Cactus Equity Group, LLC and its officers, employees, and affiliates are not responsible for any financial decisions you make based on information provided by the application. You assume full responsibility for your own financial decisions.