Contents

Privacy Notice – Bud Financial Inc

This notice describes how Bud Financial Inc also referred to as (“Bud”, “we”, “our” and “us”) will collect, use, and disclose your information, when you use products or services provided by us. It also describes any data protection rights you may have under applicable law; more information about data protection rights, and how to exercise them if they apply to you, is set out in the “Your Rights” section below. Please note that this Privacy Policy does not apply to the extent we process information in the role of a processor or service provider on behalf of our customers (for example, on behalf of your bank or retail lender). In that context, our customers are the data controllers and their privacy policies will apply to the processing of your personal information. We are not responsible for the privacy or data security practices of our customers, which may differ from those explained in this Privacy Policy.

For the purposes of this notice, the term “information” includes “Personal Data,” which means any information relating to an identified or identifiable individual, such as an individual's name, address, telephone number, or e-mail address.

Categories of Information we may collect and process

We may collect a variety of information from or about you or your devices from various sources, including from third parties such as banking providers.

Category	Examples	Source
Personal Identifiers and Contact Details	Given name(s), preferred name, username, email address, company name, job title, phone number, address, such as when you sign up for an account.	You
Demographic Information	Salutation, title, and language preferences.	You
Consent Records	Records of any consents you have given, together with the date and time, means of consent and any related information (e.g., the subject matter of the consent).	You
Financial Information	When you link your banking account or other financial accounts to our Services, we may receive your account details, balances, income information, beneficiaries' details, standing orders, direct debits, rent and asset details, transaction details and aggregated financial data.	You, Third Parties
Prompts and Output	The text, audio, images, video, documents, and other materials you submit to the Services (“Prompts”) and the responses generated based on your Prompts (“Outputs”).	You
Content Data	Records of your interactions with our online content, any interaction you may have had with such content (e.g., mouse hover, mouse clicks, any forms you complete in whole or in part, the pages or other content you view, referrer information (the website you visited before coming to our Services), the dates and times of your visits) and any touchscreen interactions.	Your device
Device and Location Information	IP address, device type, device identifiers, operating system version, and web browser type and version.	Your device
Career Information	Contact information; information you provide such as your employer and role.	You
Communications Information	Preferred name; any views and opinions that you choose to send to us and any feedback provided to us via the “Contact Us” functionality, including bug reports. When you sign up for a newsletter, we receive your personal or business email. When we send you emails, we may use embedded pixels or other technologies to track information about your receipt and interaction with our emails, such as whether and when you open them, whether you access any links included in our emails, how long you read our emails, whether you forward our emails and to whom, your Location Information (described below), and your Device Information (described below), to learn how to deliver a better customer experience and improve our Services.	You

Information from Cookies and Other Tracking Technologies

We and our third-party partners collect information about your activities on our Services using cookies, pixel tags, SDKs, or other tracking technologies. Our third-party partners, such as analytics, advertising, and security partners, may also use these technologies to collect information about your online activities over time and across different services. For additional details on what information we may automatically collect when you visit our website, please refer to our cookie policy: https://www.thisisbud.com/cookies-notice.

Purposes for Processing your Information

We will process your information for the following purposes:

To provide you with products and Services including account consolidation, transaction categorisation, spending analysis and other insights, together with ancillary services such as customer support.
To personalize your experience on our Services such as by providing tailored content and recommendations.
To confirm and verify your identity.
To send you service, technical and other administrative emails, messages and other types of communications. To ensure our products and services are working as intended, including tracking outages or troubleshooting issues that you report to us.
To ensure the security of our products and Services and processing activities.
To detect, prevent and investigate fraud, and respond to trust and safety issues that may arise.
To understand,analyze, and measure how you use our products and Services. For example, we analyse data we collect to optimise product design and for the purposes of product improvement.
To train, develop, and improve the artificial intelligence, machine learning, and models that we use to support our Services.
To conduct surveys and other market research to ensure our services are relevant to your needs.
To access your transaction data from your banking or financial services provider(s) for the purposes of account consolidation, transaction categorisation, spending analysis and other insights.
For marketing and advertising purposes, such as developing and providing promotional and advertising materials that may be relevant, valuable, or otherwise of interest to you.
For compliance purposes, including enforcing our Terms and Conditions or other legal rights, or as may be required by applicable laws.
On other occasions where we ask you for consent, we will use the data for the purpose which we explain at that time.
For screening against government, law enforcement agency sanctions lists and other legal restrictions.
In response to requests by legal or regulatory authorities, government or law enforcement authorities.

Disclosure of Information to Third Parties

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose information that we collect or you provide as described in this privacy notice:

To our subsidiaries and affiliates.
To contractors, service providers, and other third parties (such as our AI service providers and our advertising and analytics partners) we use to support Bud’s data processing activities. We use analytics services such as Google Analytics to collect and process certain analytics data. You can learn more about Google’s practices by visiting https://www.google.com/policies/privacy/partners/.
To third parties through a third-party application integration to our Services.
To a buyer or other successor in the event of a potential or actual merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Bud’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which information held by Bud about our Website users is among the assets transferred.
To comply with any court order, law, or legal process, including to respond to any government or regulatory request. We may access, preserve, and disclose your information if we believe doing so is required or appropriate to: (a) comply with law enforcement requests and legal process, such as a court order or subpoena; (b) respond to your requests; or (c) protect your, our, or others’ rights, property, or safety. For the avoidance of doubt, the disclosure of your information may occur if you post any objectionable content on or through the Services.
To enforce or apply our Terms and Conditions and other agreements, including for billing and collection purposes.
For any other purpose disclosed by us when you provide the information.
With your consent.

Data Retention

We take every reasonable step to ensure that your Personal Data is only processed for the minimum period necessary for the purposes set out in this notice.

Your Personal Data will only be processed as required by law or in accordance with this notice.

Please see “Your Rights” below for options that may be available to you in respect of your Personal Data. You can also contact Bud about our data retention practices by emailing help@thisisbud.com.

Third Parties

Our services may contain links to other websites, products, or services that we do not own or operate. We are not responsible for the privacy practices of these third parties. Please be aware that this notice does not apply to your activities on these third-party services or any information you disclose to these third parties. We encourage you to read their privacy policies before providing any information to them.

Security

We make reasonable efforts to protect your information by using physical and electronic safeguards designed to improve the security of the information we maintain. However, because no electronic transmission or storage of information can be entirely secure, we can make no guarantees as to the security or privacy of your information.

Children’s Privacy

We do not knowingly collect, maintain, or use personal information from children under 18 years of age, and no part of our products or services is directed to children. If you learn that a child has provided us with personal information in violation of this notice, then you may alert us at help@thisisbud.com.

Your Rights

Under applicable data protection laws in your jurisdiction, you may have certain rights over the Personal Data we hold on you. To the extent that you have these rights under applicable law, Bud agrees to respect the following rights in connection with your Personal Data, subject to exceptions provided by law:

Access	You can request that we provide you with a copy of the Personal Data that we hold about you and to check that we are processing it lawfully.
Correction	If you believe the Personal Data we hold on you is inaccurate, you can request that we update or correct it, although we may need to verify the accuracy of the new data you provide to us.
Revocation	If we rely on your consent to process your Personal Data, you may withdraw that consent at any time. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.
Objection or Opt-out	You may request us to stop processing your Personal Data by emailing help@thisisbud.com, we will either agree to it or explain why we are not able to. Stopping processing your Personal Data may impact the services we can provide to you.
Erasure	If we no longer need your Personal Data and have no other legal basis for processing, you can request that we delete it. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons, which will be notified to you, if applicable, at the time of your request.
Restriction	In certain circumstances you can ask that we restrict the processing of your Personal Data, such as where you believe the Personal Data we hold is inaccurate.
Portability	You may ask us to provide you with a copy of the Personal Data you provided to us in a portable format, to use with other organizations.

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To exercise any of these rights, please email: help@thisisbud.com.

If you have unresolved concerns, you may have the right to complain to a data protection authority where you live, work or where you believe a breach may have occurred.

Direct Marketing

If you provide your consent, we may process your Personal Data in order to contact you with information regarding services that may be of interest to you. You may withdraw your consent and unsubscribe for free at any time, using the contact details below or by following the instructions in any email marketing you may have received from us. If you opt out, we may still send you other types of emails, such as support, service, and other emails about our ongoing business relationship.

For other marketing services that we provide, such as downloadable reports or fact sheets, we will provide those to you on request.

Changes to this Privacy Policy

We will post any adjustments to the Privacy Policy on this page, and the revised version will be effective when it is posted. If we materially change the ways in which we use or disclose personal information previously collected from you through the Services, we will notify you through the Services, by email, or other communication.

Contact Information

If you have any questions, comments, or concerns about our processing activities, please email: help@thisisbud.com.