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Everything you need to know about Bud.

Privacy Notice

Bud Financial Inc

This notice describes how Bud Financial Inc also referred to as (“Bud”, “we”, “our” and “us”) will use your Personal Data, when you use products or services provided by us . It also describes your data protection rights, more information about your rights, and how to exercise them, is set out in the “Your Rights” section below.

Categories of Personal Data we may collect and process

Personal Identifiers and contact details

Given name(s), preferred name, username, email address, home address.

Demographic Information

Date of birth / age; salutation, title; and language preferences.

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).

Financial Information

Account details, balances, beneficiaries' details, standing orders, direct debits, rent and property details, transaction details and aggregated financial data.

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) and any touchscreen interactions.

Views & Opinions

Preferred name, any views and opinions that you choose to send to us or publicly post about us on social media platforms and any feedback provided to us via the “Contact Us” functionality, including bug reports.

Purposes for Processing your Personal Data

We will process your Personal Data 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.
  • Confirming and verifying 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.
  • For analytics and measurement to understand how our products and services are used. For example, we analyse data we collect to optimise product design and for the purposes of product improvement.
  • 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.
  • Where required by law to send you direct marketing.
  • Where we access information from your device using cookies or similar technologies.
  • On other occasions where we ask you for consent, we will use the data for the purpose which we explain at that time.

Additionally, to fulfil our legal or regulatory obligations we may also process your Personal Data:

  • “Know your client” checks; and 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 Personal Data to Third Parties

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

We may disclose personal 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 we use to support Bud’s data processing activities.
  • 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 Bud’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Bud about our Website users is among the assets transferred.
  • For any other purpose disclosed by us when you provide the information.
  • With your consent.

We may also disclose your Personal Data:

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
  • To enforce or apply our Terms and Conditions and other agreements, including for billing and collection purposes.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Bud, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Please note, we do not sell or rent Personal Data that we have processed and we do not share your Personal Data with non-affiliated third parties except as permitted by law (as authorized by 12 C.F.R. s 1016.14 and 1016.15).

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. We will retain Personal Data in an identifiable form for as long as we maintain an ongoing relationship with you (e.g. you are a user of our services) or we are required to hold onto your Personal Data (e.g. to comply with legal and/or regulatory obligations). Once these applicable periods have passed Bud will permanently delete or fully anonymise your Personal Data.

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.

Your Rights

Under the applicable data protection laws in your country, you may have certain rights over the Personal Data we hold on you. 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.
Correction If you believe the Personal Data we hold on you is inaccurate, you can request that we update or correct it.
Revocation If we relying on your consent to process your Personal Data, you may withdraw that consent at any time.
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.
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 use to provide you with a copy of the Personal Data you provided to us in a portable format, to use with other organisations.

 

To exercise any of these rights you can get in touch with us using the details set out below.

If you have unresolved concerns, you 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 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.

Information relating to Bud

Bud’s address is 108 Lakeland Avenue, City of Dover, County of Kent, zip code 19901.

To get in touch with Bud, please email: help@thisisbud.com.

For details on what information we may collect when you visit our website, please refer to our cookie policy: https://www.thisisbud.com/cookies-notice.