Privacy Policy

Houzwallet is a household budgeting app. It is not a bank, does not hold or move money, and does not pay bills. This policy explains what information we handle and how.

• Account details: your email address, display name, and sign-in method (email or Google).
• Household budget data you enter: income, expenses, budgets, bills, subscriptions, savings goals, goal photos, and household member names.
• Minimal account info: account nicknames, institution name, last 4 digits, and balances you type in. We never collect full account or card numbers, banking passwords, or PINs, and we do not connect to your bank.
• Payment status: Premium subscriptions are processed by PayPal. We store only the subscription ID and status — never your card or PayPal login details.
• Device preferences: appearance, language, currency, and custom background photos are stored only on your device.

To provide the app: show your budget, sync it with your household members, send in-app reminders and alerts, and enable Premium features. We do not sell your data and do not use it for advertising.

• The Assistant (Bob & Pat), receipt and statement scanning, smart savings, and page translation use AI models through our AI provider.
• Only the information needed to answer your request is sent. Personal identifiers such as account numbers are removed before processing.
• Receipt and statement photos are processed to extract figures and are not stored afterwards.
• Your data is not used to train AI models. AI answers are informational only, not financial advice.

• Data is encrypted in transit (HTTPS/TLS) and at rest on our secure cloud infrastructure.
• Strict access rules ensure only members of your household can see your household's data.
• Goal photos are kept in private storage and shown only through temporary secure links.

Your data is shared only with members you invite to your household, and with service providers needed to run the app (cloud hosting, AI processing, PayPal for payments), under confidentiality obligations. We may disclose information if required by law.

You can request access to, correction of, or full deletion of your account and all associated household data at any time by emailing support@houzwallet.com from the email address on your account.

We complete deletion requests within 30 days. Deleting your account removes your profile, entries, goals, photos, and Assistant conversations. Cancel any PayPal subscription separately in your PayPal account.

We keep your data while your account is active. After deletion, data is removed from active systems, and backups expire on a rolling basis.

Houzwallet is not directed at children under 13, and we do not knowingly collect their personal information.

We may update this policy. Significant changes will be announced in the app, and the date below will be updated.

Questions or privacy requests: support@houzwallet.com