Last Budget Privacy Policy

Effective Date: January 12, 2025

This Privacy Policy explains how Last Budget LLC (“Last Budget,” “we,” “us,” or “our”) collects, uses, and discloses personal information when you access our website at app.lastbudget.com or our mobile applications (collectively, the “Last Budget Services”). It does not address our privacy practices relating to job applicants, employees, and other personnel.

By accessing or using any part of the Last Budget Services, you signify that you have read and understood this Privacy Policy. Terms not defined herein shall have the meanings given to them in the Last Budget Terms and Conditions.

If you apply for or use any financial product or service from us, we will handle your “nonpublic personal information” (as defined under the Gramm-Leach-Bliley Act or “GLBA”) in accordance with our Last Budget Consumer Privacy Notice. This includes information collected when you use the Last Budget Services to manage or conduct transactions. Please refer to the Last Budget Consumer Privacy Notice to understand how we use your nonpublic personal information and your choices regarding its collection, use, sharing, and processing.

We may share certain information with financial institutions and third-party partners to deliver the Last Budget Services you choose to use. For example, if you link external financial accounts to your Last Budget account, we may share your login credentials or transaction data with your financial institution or its intermediary to establish a connection.

Third-Party Integrations

Last Budget integrates with certain third-party services to enhance your experience. For example:

If you use account linking services provided by Plaid Inc., you will need to agree to Plaid’s End User Privacy Policy (available at Plaid Privacy Policy).
If you apply for financial products like the Last Budget Visa® Debit Card, your personal information will be shared with the issuing financial institution to fulfill your application and comply with legal requirements.

Similarly, if you link your Last Budget account to other services (e.g., fitness or budgeting apps), we may share information as necessary to deliver the requested features.

Personal Information We Collect

The personal information we collect depends on your interaction with the Last Budget Services and may include:

1. Information You Provide:

Contact information (e.g., name, email address, phone number).
Inquiry details provided through forms, surveys, or customer support.
Testimonials and other voluntary statements about your experience with Last Budget.

2. Information Collected Automatically:

Device data: IP address, device type, operating system.
Analytics data: Pages visited, time spent on the Last Budget Services.
Location data: Precise or approximate geographic location.
Advertising and measurement data: Interactions with ads and identifiers like cookies or mobile advertising IDs.

3. Information from Third Parties:

Data from affiliates, service providers, and business partners.
Social media or professional network interactions.
Publicly available information or data from information providers to update or supplement existing records.

How We Use Personal Information

We use personal information for purposes including:

Delivering, improving, and personalizing the Last Budget Services.
Communicating with you about updates, promotions, or customer support.
Marketing products and services that may interest you.
Preventing fraud and ensuring security.
Complying with legal obligations and enforcing our Terms and Conditions.

We may share personal information in the following ways:

With affiliates and subsidiaries: For operational purposes.
With service providers and business partners: To support our operations (e.g., payment processing, analytics, marketing).
To comply with legal obligations: Or respond to lawful requests.
As part of a sale, merger, or other business transaction.
With your consent or at your direction.

We may also share de-identified or aggregated information for analytics and other legitimate purposes.

Your Choices

1. Marketing Communications

You can unsubscribe from marketing emails by following the “unsubscribe” link in our emails. Note that you cannot opt out of transactional or service-related messages.

2. Account Deletion

You may request account deletion by contacting us at support@lastbudget.com. We will process deletion requests promptly, subject to our legal or business obligations to retain certain data.

3. Cookies and Tracking Technologies

You can manage cookies and tracking preferences through your browser or device settings. Please note that disabling these technologies may impact the functionality of the Last Budget Services.

Information Security

We implement reasonable security measures to protect personal information. However, no system is completely secure, and you use the Last Budget Services at your own risk.

Retention of Personal Information

We retain personal information for as long as necessary to fulfill our business purposes or comply with legal obligations. Even after account deletion, certain data may be retained for legal or recordkeeping purposes.

Children’s Privacy

The Last Budget Services are not intended for children under the age of 13, and we do not knowingly collect information from them. If we learn that we have inadvertently collected such information, we will promptly delete it. If you believe a child has provided us with personal information, please contact us at support@lastbudget.com.

Updates to This Privacy Policy

We may update this Privacy Policy from time to time. The effective date at the top of this page reflects the latest changes. Continued use of the Last Budget Services after updates signifies your acceptance of the revised Privacy Policy.

Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at support@lastbudget.com.

Privacy Policy