We reserve the right to make changes to this privacy policy at any time by giving notice on this page and/or within this Application and/or sending a notice to you via any contact information available to us. It is strongly recommended to check this page often, referring to the date of the last modification listed at the top. Your IP address when you interact with our website and apps Third parties may also place cookies on your browser for targeted advertising purposes. IP address, geographic location of the device, One way to limit cookies is by opting out of third party cookies/advertising networks, like Google Analytics and the Digital Advertising Alliance. If you are in Canada or the EU you can use the DAAC’s youradchoices.ca, or EDAA’s youronlinechoices.eu respectively. Some people use what are called “Ad Blockers” to limit advertising/tracking. We don’t endorse any particular Ad Blocker, but want you to know that it’s an option since you’re reading this and are likely quite privacy-minded. Opting out of cookies using the above methods likely won’t cause problems with our services per se, but it makes it harder for us to spend our advertising budget effectively because we won’t know how you discovered YNAB and sometimes won’t even know if you’re already a customer of ours. Among other things, that means we might embarrass ourselves by showing you the same advertisement even if you are already a fan. Depending on the services you block, it might also make it harder for us to know how you’re using our apps, or know if you’re running into problems. We do not sell users’ data. (And we never have!) We share data to fulfill the purposes for which you provide it To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us about our Website users is among the assets transferred. We retain account data for a period of time after an account expires, whether through trial expiration or subscription expiration, unless you delete your account as described below. You may delete your account by visiting your account settings. This will delete all personal data with the exception of email correspondence. Note that the process to delete all data associated with your account will take up to thirty (30) days  log files retained for up to eighteen (18) months You may withdraw consent for processing in the situations described above. Other data processing we conduct is necessary for the fulfillment of our Terms of Service and/or our legitimate interest and/or legal reasons, and deletion of your account and data is required to cease processing. California privacy rights California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. YNAB has not and does not transfer information to third parties for direct marketing purposes. In the event we decided to do so in the future, we would provide affirmative consent and opt-out procedures. The CCPA provides consumers who reside in California with rights regarding their personal data, which you can read in full detail. EU Visitors and Clients’ Rights Rights to access, deletion, portability, and restriction are described above. In addition, if you habitually reside in the EU and wish to raise a concern about our use of your information (and without prejudice to any other rights you may have), you have the right to do so with your local supervisory authority. 

Summary:
The terms may be changed at any time, but you will receive notification of the changes. There is a date of the last update of the agreements. Your IP address is collected, which can be used to view your approximate location. Third-party cookies are used for advertising. Your IP address is collected, which can be used to view your approximate location. This service employs third-party cookies, but with opt-out instructions. Tracking cookies refused will not limit your ability to use the service. This service does not sell your personal data. Your personal data is used for limited purposes. Your personal data may be sold or otherwise transferred as part of a bankruptcy proceeding or other type of financial transaction. You can request access and deletion of personal data. You can delete your content from this service. Logs are deleted after a finite period of time. This service may keep personal data after a request for erasure for business interests or legal obligations. The service claims to be CCPA compliant for California users. The service claims to be GDPR compliant for European users.