Privacy Policy

Last Updated: September 11, 2026 · Effective: March 12, 2026

1. Introduction

PKM Software, based in Texas, United States, operates Atlas Budgeting (“we,” “us,” or “our”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Atlas Budgeting mobile application, website and related services (collectively, the “Service”). This policy explains our practices; where permission is required, we request it through the relevant feature.

2. Information We Collect

2.1 Information You Provide

  • Account Information: Email address and password hash when you create an account.
  • Subscription Data: Names, amounts, billing dates, and categories of subscriptions you add manually or that are detected automatically.
  • Preferences: Budget limits, notification preferences, and display settings.

2.2 Information Collected via Bank Connection (Plaid)

When you connect a bank account, we use Plaid Inc. to retrieve transaction history, account balances, and account metadata. We access your financial institution in read-only mode - we can never initiate transactions, transfers, or payments on your behalf. We do not receive your bank login credentials, full account numbers, or routing numbers. Plaid’s own privacy policy governs their handling of your data: plaid.com/legal/end-user-privacy-policy.

2.3 Information Collected via Email Connection (Gmail)

New Gmail connections and email scanning are not currently offered. If you previously authorized Gmail access, you can revoke it at Google account permissions. If email processing returns, we will explain the information involved and request the appropriate permission before enabling it.

2.4 Information Collected Automatically

  • Usage Data: App opens, feature interactions, and screen views may be collected when product analytics is enabled. Events can be associated with your Atlas account identifier. Product analytics is currently disabled in the app.
  • Crash Reports: Error logs and stack traces sent to Sentry for debugging, along with app and device diagnostics. We apply filters to remove sensitive values; technical app-installation or account identifiers may be included.
  • Device Information: A push-notification token and timezone when notifications are enabled; device type, operating system version, and app version for compatibility and troubleshooting purposes.

3. Google API Services - Limited Use Disclosure

Atlas Budgeting’s use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. Specifically:

  • We only use Gmail data to detect and display your recurring subscriptions, trials, and upcoming charges within the App.
  • We do not use Gmail data for serving advertisements or for any purpose unrelated to providing or improving the subscription-detection features of the App.
  • We do not allow humans to read your Gmail data unless (a) we have your affirmative consent, (b) it is necessary for security purposes such as investigating abuse, (c) it is necessary to comply with applicable law, or (d) our use is limited to internal operations and the data has been aggregated and anonymized.
  • We do not transfer Gmail data to third parties except (a) as necessary to provide or improve user-facing features that are prominent in the App’s user interface, (b) to comply with applicable law, or (c) as part of a merger, acquisition, or asset sale with notice to users.

4. AI-Powered Processing (Anthropic Claude)

AI email processing is not currently offered. If a future optional feature sends information to an AI provider, we will identify the provider and the data involved before asking you to enable it. The current website calculator and ordinary budgeting calculations do not send your entries to an AI provider.

5. How We Use Your Information

We use the information we collect to:

  • Detect and display your active subscriptions, free trials, and upcoming charges.
  • Provide spending summaries, planning estimates, subscription guidance and budget tracking.
  • Send push notifications for upcoming charges, trial expirations, price changes, and potential zombie subscriptions (with your explicit permission).
  • Generate weekly spending digests and analytics within the App.
  • Respond to your support requests and improve the App.
  • Comply with legal obligations.

We do not:

  • Sell your personal or financial data to third parties.
  • Use your financial records for ad targeting or share them with advertising networks for that purpose.
  • Make your subscription list public or share it with other users unless you choose to export or share it.

6. Data Sharing & Third-Party Services

We do not sell, rent, or trade your personal or financial data. Service providers process information needed to operate the features you use. They include:

  • Plaid Inc. - Bank account connectivity and read-only transaction retrieval.
  • Google — Account sign-in if you choose it, historical Gmail authorizations, and merchant favicon requests as described below, subject to Google’s Privacy Policy.
  • Anthropic — The provider referenced by the currently unavailable email-processing integration. A future AI feature will require an updated disclosure before it is enabled.
  • Supabase — Cloud database hosting and authentication services. Provider certifications do not mean Atlas itself is independently certified.
  • Sentry - Crash reporting and error monitoring, with sensitive-value filtering and technical app-installation or account identifiers.
  • RevenueCat - In-app subscription management. Purchase and subscription information, your Atlas account identifier, and technical app/device information are shared to manage Premium access.
  • Vercel — Website delivery and hosting. Website requests can include IP address, browser/device information, requested URLs and technical logs used to deliver and protect the site.
  • Expo and Apple — Push-notification delivery, including the device notification token and notification content when notifications are enabled.
  • Frankfurter — Public exchange-rate requests for dated ECB reference data. The app does not attach your account identifier, balances or transaction amounts to these requests; the network provider can receive request metadata such as your IP address.

Merchant images: App versions that display remote merchant logos can request images from Google’s favicon service or a stored image URL. The image host receives normal network request information, including IP address and the requested merchant domain or image path. These are separate requests from bank linking.

Free website calculator: Amounts and service names entered in the subscription calculator stay in the page’s memory. The tool does not upload or persist those entries. The website currently has no advertising or product-analytics SDK.

We may also disclose information when required by law, to protect our rights, or to comply with a judicial proceeding or legal process.

7. Data Storage & Security

We take the security of your data seriously and employ industry-standard measures:

  • Storage: Cloud data is hosted by Supabase. The app also keeps local preferences and cached records on your device; protect access to your device and any exported files.
  • Encryption in transit: Connections to Atlas cloud services use HTTPS.
  • Token security: Gmail OAuth tokens and Plaid access tokens are kept in server-side tables restricted from normal client access. The app receives connection status, linked-account information and the financial records needed for the requested features.
  • Device security: Authentication session tokens are stored in iOS Keychain using expo-secure-store.
  • Access controls: User-data endpoints validate signed-in sessions and enforce account ownership. Provider webhooks and scheduled jobs use their respective authentication and verification mechanisms.

No method of electronic transmission or storage is 100% secure. We strive to use commercially acceptable means to protect your data but cannot guarantee absolute security.

8. Data Retention & Deletion

We retain your data for as long as your account is active. Upon account deletion (available in Settings → Delete Account):

  • Your account information, subscription data, transaction history, email scan results, and all associated tokens are removed from the active Atlas account as part of successful deletion. Limited records and service-provider copies may remain as explained below. Contact support if deletion fails or you need help with a request.
  • Bank access is revoked during successful account deletion. If you previously authorized Gmail, revoke that permission in your Google account settings as well.
  • Limited trial-eligibility records, such as a hashed app-scoped device identifier or Apple sign-in identifier, may be retained to prevent repeated trial grants. Purchase providers may retain records under their own policies. Deleting Atlas does not cancel an Apple subscription.
  • Backup copies and operational logs may persist until the relevant provider’s retention cycle expires. We may retain information needed to meet a legal obligation or resolve a dispute for the applicable period. These exceptions do not allow continued use of deleted account data for ordinary app features.

9. Your Rights & Choices

You have the following rights regarding your data:

  • Access: Request a copy of the personal data we hold about you.
  • Deletion: Request account deletion within the App or by contacting us, subject to the limited retention exceptions above.
  • Revoke Gmail access: Disconnect Gmail at any time via myaccount.google.com/permissions .
  • Revoke bank access: Disconnect your bank account within the App under Settings → Connected Accounts.
  • Notifications: Enable or disable specific notification types within the App at any time.
  • Data portability: Request an export of your data in a portable format.
  • Opt out: Opt out of non-essential data collection.

To exercise any of these rights, contact us at support@atlasbudgeting.com. We aim to respond within 30 days and will follow any deadlines, identity-verification requirements and extensions that apply to your request.

10. California Privacy Rights (CCPA)

Where the California Consumer Privacy Act (CCPA) applies, California residents have additional rights, including:

  • Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you.
  • Right to Delete: You may request deletion of your personal information, subject to certain exceptions.
  • Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.
  • No Sale of Data: We do not sell personal information as defined by the CCPA.

To exercise your CCPA rights, contact us at support@atlasbudgeting.com.

11. Children’s Privacy

Atlas Budgeting is not directed at individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected data from a child under 13, we will delete it promptly. If you believe a child under 13 has provided us with personal information, please contact us immediately.

12. International Data Transfers

Atlas Budgeting is operated from the United States. If you are located outside the United States, your information may be transferred to and processed in the United States or other locations where our service providers operate. Where applicable law requires a specific transfer safeguard, using the Service does not replace that requirement. Contact us for information about the arrangements applicable to your data.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy in the App, updating the “Last Updated” date above, and where appropriate, sending a push notification or email. If a change requires your consent under applicable law, we will request it; continued use alone does not replace that consent.

14. Contact Us

If you have questions or concerns about this Privacy Policy or wish to exercise your rights, please contact us:

PKM Software — Atlas Budgeting
Email: support@atlasbudgeting.com
Website: atlasbudgeting.com