Privacy Policy
Effective Date: January 15, 2026
1. Policy Overview
Journey Budget (the “App”) places great importance on protecting your personal
privacy and data security. This Privacy Policy explains how we collect, use, store,
and safeguard your personal data when you use the App, as well as the rights you
are entitled to under applicable laws.
By using the App, you acknowledge that you have read, understood, and agreed to
this Privacy Policy.
2. Information We Collect
During your use of Journey Budget, we may collect the following types of information:
• Account and Asset Information
Information you voluntarily record, including the type and balance of bank cards,
credit cards, savings accounts, e-wallets, and online payment accounts.
We do not collect or store full card numbers, passwords, verification codes, or other
sensitive authentication data.
• Financial Record Data
Details of income and expense transactions, category labels, and related
aggregated statistics.
•
Device and Usage Information
Basic technical information such as device model, operating system version,
application usage data, and network status.
•
Information You Provide Voluntarily
Notes, custom categories, or other content you choose to enter within the App.
3. Purpose of Data Use
We use your data only to the extent necessary for the following purposes:
•
To provide account management, income and expense tracking, and asset
statistics features;
•
To improve application performance and user experience;
• To maintain system security and prevent fraud or unauthorized access.
4. Data Storage and Security Measures
• User data is primarily stored locally on your device and protected using
encryption;
• The App does not sell, rent, or use your personal data for commercial marketing
purposes;
• Reasonable technical and administrative measures are implemented to prevent
unauthorized access, disclosure, alteration, or loss of data.
5. Data Sharing
We may disclose or share your data only under the following limited circumstances:
• Legal or Regulatory Requirements
When required by Malaysian laws, regulations, or lawful judicial or governmental
requests;
•
Necessary Service Support
When required to maintain the operation or security of the App, limited data may be
shared with trusted third-party service providers strictly for operational purposes and
not for any other commercial use.
6. Your Rights
In accordance with the Personal Data Protection Act 2010 (PDPA) of Malaysia,
you have the right to:
•
Access and review your personal data;
• Request correction or deletion of inaccurate or unnecessary data;
• Withdraw consent for certain data processing activities where supported by App
functionality.
To exercise these rights, please use the “Contact Us” feature within the App or email
us at:
service@journey-budget.com
7. Children’s Privacy
The App is not intended for children under the age of 13.
If we become aware that personal data of a minor has been collected unintentionally,
we will promptly delete such data upon confirmation.
8. Updates to This Privacy Policy
We may update this Privacy Policy from time to time in accordance with legal or
product requirements.
Any updates will be announced within the App and will include a revised effective
date. We encourage you to review this policy periodically.
9. Contact Information
If you have any questions regarding this Privacy Policy or our data practices, please
contact us at:
Email: service@journey-budget.com