Privacy Policy

BudgetSyncer has the highest respect for your privacy, and your information will be handled in a safe, secure and confidential manner. All transactions are handled encrypted and not shared with any third party partners. We only store the necessary data to access your bank accounts and YNAB budget. Upon request you will receive all your data. We will only store data as long as you are subscribed to our product.

YNAB API data

When you connect YNAB, you authorize BudgetSyncer through YNAB's OAuth process. We never see or store your YNAB password.

What we access: budget and account information needed to show your YNAB setup, and permission to create or update transactions in the YNAB accounts you choose during setup.

How we use it: only to import bank transactions into your selected YNAB accounts. We do not use YNAB data for advertising, resale, or unrelated features.

How we store it: YNAB OAuth tokens (access and refresh) are stored encrypted in our database (AWS, EU region) while your account is active. We do not store a copy of your YNAB transaction history for this purpose.

How we secure it: access tokens are handled server-side only, transmitted over HTTPS, and not shared with third parties except our infrastructure provider (AWS) as required to run the service.

Retention: YNAB tokens and connection settings are kept while you have an active account or subscription. When you cancel or ask us to delete your data, we remove them.

Data we collect

We collect your email address, YNAB OAuth tokens, and bank connection details necessary to sync your transactions to YNAB.

How we use your data

After you consent to fetching your own bank account data via Enable Banking open banking, BudgetSyncer synchronizes that data to YNAB.

We require read access to your bank (via Enable Banking open banking) and read/write access to YNAB as described above. We do not store bank transaction data on our servers for ongoing use; transactions are read from your bank and sent to YNAB for import. We do not sell or share your personal data with third parties. We do not store any transaction data, bank account numbers, or other sensitive financial information.

Data storage

Data collected by our application is temporarily stored, for the application to function, in the Amazon Web Services (AWS) cloud. The primary storage location for the data is on AWS servers within the EU. The service provider is committed to complying with EU data protection legislation (GDPR), and data transfers are subject to appropriate safeguards, such as Standard Contractual Clauses approved by the European Commission or the Data Privacy Framework. AWS GDPR Center.

Transactions are read from your bank and forwarded directly to YNAB without being persisted on our servers.

Cookies & tracking

We use cookies and similar technologies for essential site functions (such as sign-in), referral attribution, and — with your consent — Google Analytics to measure traffic and understand how visitors find BudgetSyncer.

Analytics cookies are optional. You can accept or decline them via the banner on your first visit. You can also clear site data in your browser to reset your choice. For more on Google's processing, see Google's Privacy Policy.

Data retention and deletion

We keep your data only while you use BudgetSyncer. You can delete your account from Profile in the BudgetSyncer iOS or Android app. That removes your login, bank connections, and YNAB tokens. Website (Stripe) subscriptions are cancelled with the account. App Store and Google Play subscriptions are billed by Apple or Google and must be cancelled in those stores. You may also request a full export or deletion at any time by emailing admin@budgetsyncer.com.

YNAB trademark notice

Last updated: October 2026