1. Scope
This Privacy Policy explains how Blue Collar Bankroll (“BCB,” “we,” “us,” or “our”) collects, uses, discloses, retains, and protects personal information when you use our website, budgeting tools, mobile-friendly web application, Builder Stories, support channels, and related services (collectively, the “Service”).
2. Information We Collect
Account information
- Name, email address, password credentials or authentication identifiers.
- Plan type, account status, preferences, and support history.
Financial planning information you enter
- Bills, due dates, payment status, income or paycheck amounts, debts, savings goals, travel costs, vehicle expenses, hotel costs, per diem information, estimated taxes, benefits, and deductions.
- BCB is not a bank and does not hold or transfer your money.
Payment information
Subscription payments may be processed by a third-party payment processor. We receive transaction status, subscription identifiers, limited billing details, and payment history, but we should not receive your full card number.
Device and usage information
- IP address, browser, device type, operating system, pages viewed, referring pages, approximate region, timestamps, crash data, and interactions with the Service.
- Cookies, local storage, and similar technologies used for authentication, preferences, security, analytics, and performance.
Community and submitted content
- Builder Story photos, names, trades, states, quotes, goals, and consent records.
- Bug reports, feature ideas, contact messages, and files you choose to submit.
3. How We Use Information
- Provide, maintain, personalize, and secure the Service.
- Save your entries, calculate estimates, display due dates, and provide planning tools.
- Process subscriptions, trials, cancellations, and customer support.
- Detect fraud, abuse, security incidents, and technical problems.
- Understand product performance and improve usability.
- Send service messages and, where permitted, optional marketing messages.
- Comply with legal obligations and enforce our agreements.
4. How We Share Information
We may share information with service providers that help operate the Service, including hosting, authentication, payment processing, email delivery, analytics, security, and customer support providers. They may use information only to provide services to us under appropriate contractual restrictions.
We may also disclose information when required by law, to protect rights or safety, during a business transfer, or with your direction and consent. Public Builder Stories are shared only when submitted for public display and approved.
5. Sale or Sharing of Personal Information
BCB does not sell personal information for money. If our practices change or applicable law treats certain advertising or analytics disclosures as a “sale” or “sharing,” we will provide required notices and choices.
6. Retention
We retain information only as long as reasonably necessary for the purposes described in this Policy, including providing the Service, maintaining business and tax records, resolving disputes, preventing abuse, and meeting legal obligations. Retention periods vary by data type. Account deletion requests may be subject to limited legal or security retention.
7. Security
We use reasonable administrative, technical, and physical safeguards designed to protect information. No online system is completely secure, and we cannot guarantee absolute security. Users should use unique passwords and protect access to their devices.
8. Your Choices and Rights
- Access, correct, download, or delete eligible account information.
- Cancel marketing messages while continuing to receive necessary service messages.
- Manage cookies through browser controls.
- Request removal of an approved Builder Story.
- Exercise applicable state privacy rights, which may include rights to know, correct, delete, obtain a copy, opt out of certain processing, and appeal a denied request.
Submit requests through the Contact Center. We may verify identity before completing a request.
9. Children
The Service is intended for users age 18 and older and is not directed to children under 13. We do not knowingly collect personal information from children under 13. Contact us if you believe a child submitted information.
10. Third-Party Services
Third-party services have their own privacy practices. Review their terms before using external payment, hosting, analytics, social media, or authentication services.
11. United States Processing
BCB is operated from the United States. Information may be processed in the United States and other locations where service providers operate, subject to applicable safeguards.
12. Changes
We may update this Policy. Material changes will be posted with a revised date and, where required, additional notice.
13. Contact
Privacy questions and requests may be submitted through our Contact Center or by email at hello@bluecollarbankroll.com.