Information obtained about the users of this site will be held confidentially by Spicer-Baer Associates, Inc. (SBA) and only used for the purposes of the application, PerpetualBudget. At SBA we recognize that privacy is important. This Privacy Policy applies to all of the products, services and websites offered by SBA or its subsidiaries or affiliated companies; collectively, SBA’s “services.” In addition, where more detailed information is needed to explain our privacy practices, we post supplementary privacy notices to describe how particular services process personal information.