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Here are seven app-safety guidelines from Becky House, education director at American Financial Solutions, a nonprofit financial counseling agency in Seattle. The lesson: Password-protect your smartphone and set up the password function so you have to log in every time you use the phone. " with the choice to answer "Yes," "Not now," or "Never for this site? Also be aware of who's around you; someone at the next table might have a full view of your screen.The bottom line: Budget apps can do lots to help users gain financial wisdom; the rewards of using them outweigh the risk.

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For the most part, the apps are reputable and safe: Users are more likely to click on a spam-phishing email and get "had" that way rather than have a budget app experience a systemwide breach, he says. Budget app sites encrypt passwords, so even if a hacker were to break in, he'd have to decrypt passwords first. Do not agree to auto-logins when you access a site. It's something people should do, but don't: "I feel I harp on this a lot," House says. Budget apps alert users to activity on their bank accounts and credit card statements; if you see unusual activity, check it out and report it. Don't play with your budget app when you're using public Wi-Fi at a coffee shop or at the airport; those airwaves are public and susceptible to breaches.

Budget app safety tips The key to using a budget app safely: Follow good tech hygiene rules and use your brain. Apps can track spending and saving by aggregating information from all accounts, "but there are a lot of people who are not comfortable connecting accounts [and] having all their eggs in one basket," House says. Someone who grabbed your i Phone off a table at Starbucks, though -- that's another story, particularly if your phone isn't password-protected. It's old advice and worth repeating: For the phone and for the apps themselves, don't use your birthday, address or other easily guessable digits as passwords. You know that window that pops up and asks, "Remember this password? Norton, which makes anti-virus software for computers, has a smartphone version available at us. That is crucial, as zero-liability and FCBA protections do hinge on timely reporting of fraudulent behavior. If you must log on, say to check out an account activity report, use cellular data if possible and remember to log off as soon as you're finished.

Too, some financial institutions will not allow access to customer accounts.

Hopper's advice: Check with your bank before signing up with a budget app to see what protections are available to you.

"The greatest risk for these services is that all your information is accessible in one location," Hopper says.

"Worst case, they can access your info and do some form of identity theft." Greenpath counselors, he continues, encourage clients to use budget apps, as they're useful tools for people who need help organizing budgets and finances.

Information entered into is read-only, explains Holly Perez, consumer money expert at Intuit, the Palo Alto, California-based company that developed and owns

That means the app cannot use account information to transfer funds between accounts or make purchases.

In this era of headline-grabbing security breaches, just how safe are these apps?

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