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Privacy Policy

This Privacy Policy explains how Kiran Dev Pararasasingam (“Bud”, “we”, “us”) collects, uses, shares and protects information when you use the Bud mobile application and related services (the “Service”). By using Bud, you agree to this Policy.

1.Information we collect

We aim to collect as little as possible. Depending on how you use Bud, this may include:

Information you provide

• Account details — such as your name and email address, if you create an account.
• Financial information you enter — expenses, income, amounts, categories, merchants, notes, budgets and payment methods you add to the app.
• Ask Bud questions — the questions you type into Ask Bud, together with the relevant spending data needed to answer them.
• Support communications — messages you send us.

Information collected automatically

• Usage & diagnostics — app interactions, feature usage, crash logs and performance data, used to keep Bud working and improve it.
• Device information — device model, operating system version, language and app version.

2.How we use information

We use information to:

• Provide the core Service — tracking, budgets, insights and reminders;
• Generate your spending insights and answer your questions in “Ask Bud”;
• Operate, maintain, secure and improve the app;
• Provide customer support and respond to your requests;
• Process subscriptions and prevent fraud or abuse;
• Comply with legal obligations.

We do not sell your personal information, and we do not use your financial data to serve third-party advertising.

3.AI features (Ask Bud)

When you use “Ask Bud”, we send your question and the relevant spending data needed to answer it to OpenAI, which generates the response. This data is transmitted over a secure connection, is not used to train OpenAI’s models, and is retained only as long as needed to return your answer. We do not use your content to train advertising profiles. If you prefer not to share data with this feature, simply don’t use Ask Bud.

4.Legal bases

Where the GDPR or similar laws apply, we process personal data on the bases of: performance of our contract with you (to provide the Service); your consent (where requested, e.g. for optional features); our legitimate interests (to secure and improve Bud); and compliance with legal obligations. You may withdraw consent at any time.

5.How we share information

We share information only as needed to run the Service:

• Service providers — we use Google Firebase (hosting and app infrastructure), Google Analytics (usage analytics to improve the app) and OpenAI (to power Ask Bud), under terms that require appropriate safeguards for your data.
• App stores — Apple (and, in future, Google) process your purchases and subscriptions under their own privacy policies.
• Legal & safety — where required by law, or to protect rights, safety and the integrity of the Service.
• Business transfers — in connection with a merger, acquisition or sale of assets, with notice where required.

We never sell your personal information.

6.Data retention

We keep your information for as long as your account is active or as needed to provide the Service, then delete or anonymise it within a reasonable period, unless a longer period is required by law. You can delete your data at any time (see Your rights).

7.Security

We use technical and organisational measures including access controls and monitoring to protect your information. No method of transmission or storage is completely secure, but we work hard to protect your information and to notify you of significant incidents where required.

8.Your rights & choices

Depending on your location, you may have the right to access, correct, export, restrict or delete your personal data, and to object to certain processing. In Bud you can:

• View and edit your data directly in the app;
• Request a copy of your data by emailing us;
• Delete your account and associated data from Settings, or by emailing us.

To exercise any right, contact us at support@budhq.app. You may also lodge a complaint with your local data protection authority.

9.Children’s privacy

Bud is not directed to children under 13, and we do not knowingly collect their personal data. If you believe a child has provided us information, contact us and we will delete it.

10.International transfers

We may process and store information in countries other than yours. Where we transfer personal data internationally, we use appropriate safeguards such as standard contractual clauses where required.

11.Third-party services

The Service relies on third parties including Apple (App Store, subscriptions), Google Firebase, Google Analytics and OpenAI. Their handling of data is governed by their own privacy policies. Links to third-party sites are provided for convenience and are not covered by this Policy.

12.Changes to this Policy

We may update this Policy from time to time. We will post the new version here and update the “Last updated” date, and provide additional notice for material changes. Continued use of Bud after changes take effect means you accept the updated Policy.

13.Contact us