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Privacy Policy / Privacy Notice

Buddy Budgeting AB
Last revised: July 6, 2026

This privacy notice for Buddy Budgeting AB ("Company," "we," "us," or "our") describes how and why we might collect, store, use and/or share ("process") your information when you use our services ("Services"), such as when you:

Visit our website at https://www.buddy.download, or any website of ours that links to this privacy notice; download and use our mobile application (Buddy), or any other application of ours that links to this privacy notice; or engage with us in other related ways, including any sales, marketing or events.

Buddy helps users manage their personal finances through budgeting tools, transaction categorisation, financial summaries, insights and recommendations. Some features of the Services may be powered by artificial intelligence, machine learning or similar technologies.

Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at hello@buddy.download.

SUMMARY OF KEY POINTS

This summary provides key points from our privacy notice. You can find out more details about each topic in the full privacy notice below.

What personal information do we process? When you visit, use or navigate our Services, we may process personal information depending on how you interact with Buddy Budgeting AB and the Services, the choices you make, and the products and features you use. This may include contact details, account information, app usage information, device information, payment-related information and, if you use the Open Banking feature, connected account and transaction information.

Do we process any sensitive personal information? We may process financial data when necessary to provide the Services you request, with your consent where required, or as otherwise permitted by applicable law.

Do we receive any information from third parties? Yes. If you choose to connect a bank account or use certain features of our Services, we may receive information from third-party service providers, including Open Banking service providers, payment providers and other partners that help us provide the Services. This may include account information, balances and transaction data.

Do we collect connected bank account information automatically? If you connect a bank account, your account information may be refreshed automatically and on a recurring basis in order to keep your financial overview, budgets, transaction categorisation, insights and recommendations up to date. You can disconnect a connected account or withdraw the relevant consent at any time.

Do we use artificial intelligence? Some features of the Services may be powered by artificial intelligence, machine learning or similar technologies. We may use these technologies to provide transaction categorisation, financial summaries, budgeting insights, recommendations and support functionality. Where we use third-party AI service providers, they process personal data only to provide the relevant functionality, and we do not permit them to use your personal data to train their AI models.

How do we process your information? We process your information to provide, improve and administer our Services, communicate with you, provide Open Banking and AI-powered features, maintain security, prevent fraud and comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so.

In what situations and with which parties do we share personal information? We may share information with third-party service providers and partners that help us provide, operate, secure and improve the Services, including Open Banking providers, payment providers, hosting providers, analytics providers, customer support providers, communications providers and AI service providers.

Do we transfer your information internationally? Some of our service providers are located outside the European Economic Area, including in the United States. Where personal data is transferred outside the EEA, we use appropriate safeguards, such as adequacy decisions (including the EU-U.S. Data Privacy Framework) and the European Commission's Standard Contractual Clauses.

How do we keep your information safe? We have organisational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure.

What are your rights? Depending on where you are located geographically, applicable privacy law may give you certain rights regarding your personal information, including rights to access, correct, delete, restrict, object to or receive a copy of your personal information, and to withdraw consent where we rely on consent.

How do you exercise your rights? The easiest way to exercise your rights is by contacting us at hello@buddy.download. We will consider and act upon any request in accordance with applicable data protection laws.

TABLE OF CONTENTS

1. WHAT INFORMATION DO WE COLLECT? / 2. HOW DO WE PROCESS YOUR INFORMATION? / 3. HOW DO WE USE OPEN BANKING AND CONNECTED ACCOUNT DATA? / 4. HOW DO WE USE ARTIFICIAL INTELLIGENCE? / 5. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION? / 6. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION? / 7. DO WE TRANSFER YOUR INFORMATION INTERNATIONALLY? / 8. HOW LONG DO WE KEEP YOUR INFORMATION? / 9. HOW DO WE KEEP YOUR INFORMATION SAFE? / 10. WHAT ARE YOUR PRIVACY RIGHTS? / 11. CONTROLS FOR DO-NOT-TRACK FEATURES / 12. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS? / 13. DO WE MAKE UPDATES TO THIS NOTICE? / 14. HOW CAN YOU CONTACT US ABOUT THIS NOTICE? / 15. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In Short: We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, participate in activities on the Services, use features of the Services, or otherwise contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include: names; email addresses; usernames; passwords.

The personal information we collect may also include information you provide in messages, prompts, feedback or other interactions with the Services, and other information you choose to provide.

Financial and connected account information. If you choose to use the Open Banking feature or connect a bank account, we may receive and process financial information made available by your bank or by our Open Banking service providers. This may include account names, account identifiers, account balances, transaction dates, transaction amounts, merchant names, merchant descriptions, transaction categories, currency, account type and other account or transaction information made available through the relevant connection.

In case you use the payment account synchronization feature of our application(s), your online banking credentials are by default used only upon your manual entry and are not stored by the application, Salt Edge, or Plaid as data processors. However, you can voluntarily choose to have your credentials stored by Salt Edge or Plaid.

Sensitive Information. When necessary, with your consent where required, or as otherwise permitted by applicable law, we may process financial data.

Payment Data. We may collect data necessary to process your payment if you make purchases, such as information about your purchase or subscription. Payment information may be processed by Apple or other payment providers, depending on how you make the purchase. You may find Apple's privacy notice here: https://www.apple.com/se/legal/internet-services/terms/site.html.

Bank account connection information. When you connect a bank account through the Open Banking feature, the connection is handled by the relevant Open Banking service provider. We do not ask you to provide your online banking credentials directly to Buddy, and we do not store your online banking credentials. The relevant Open Banking service provider may process information necessary to establish and maintain the connection in accordance with its own terms and privacy notice.

In some cases, depending on the bank, country or service provider, you may be given the option to allow the relevant Open Banking service provider to store credentials or connection information in order to maintain the connection. Where this applies, the provider's own terms and privacy notice will explain how such information is processed.

AI feature data. If you use AI-powered features, we may process information you provide in prompts, messages, feedback or other interactions with those features. We may also process information generated by the Services, such as AI-generated categories, summaries, insights, recommendations and support responses.

Application Data. If you use our application(s), we may collect mobile device and application information if you choose to provide us with access or permission, including mobile device ID, model and manufacturer, operating system, version information, system configuration information, device and application identification numbers, browser type and version, hardware model, internet service provider and/or mobile carrier, IP address or proxy server, phone network, mobile operating system or platform, type of mobile device, unique device ID and information about the features of our application(s) you accessed.

Push Notifications. We may request to send you push notifications regarding your account or certain features of the application(s). If you wish to opt out from receiving these types of communications, you may turn them off in your device settings.

This information is primarily needed to maintain the security and operation of our application(s), for troubleshooting, and for our internal analytics and reporting purposes. All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.

Information automatically collected

In Short: Some information, such as your Internet Protocol (IP) address and/or browser and device characteristics, is collected automatically when you visit our Services.

We automatically collect certain information when you visit, use or navigate the Services. This information does not reveal your specific identity, such as your name or contact information, but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for internal analytics and reporting purposes.

Log and Usage Data. Log and usage data is service-related, diagnostic, usage and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this may include IP address, device information, browser type, settings, information about your activity in the Services, date/time stamps associated with your usage, pages and files viewed, searches, features used, device event information, system activity, error reports and hardware settings.

Device Data. We collect device data such as information about your computer, phone, tablet or other device you use to access the Services. Depending on the device used, this may include IP address or proxy server, device and application identification numbers, location, browser type, hardware model, internet service provider and/or mobile carrier, operating system and system configuration information.

2. HOW DO WE PROCESS YOUR INFORMATION?

In Short: We process your information to provide, improve and administer our Services, communicate with you, provide Open Banking and AI-powered features, maintain security, prevent fraud and comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.

To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.

To provide Open Banking and connected account features. We may process your account and transaction information to provide financial overviews, budgeting tools, transaction categorisation, insights, recommendations and related features.

To refresh connected account information. We may process your information to automatically and periodically refresh connected account data in order to keep the Services up to date.

To provide AI-powered features. We may process your information to generate transaction categories, financial summaries, spending insights, budgeting suggestions, recommendations, support responses and other AI-powered outputs.

To respond to user inquiries and offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.

To send administrative information to you. We may process your information to send you details about our products and services, changes to our terms and policies, and other similar information.

To improve the Services. We may process information about how you use the Services, including feature usage, feedback and technical information, to maintain, troubleshoot, test, improve and develop the Services. Where possible, we use aggregated, anonymised or pseudonymised information for this purpose.

To maintain security and prevent fraud. We may process your information to keep the Services safe and secure, prevent fraud, troubleshoot issues and protect users and others.

To comply with law and protect legal rights. We may process your information where necessary to comply with applicable law, respond to lawful requests, exercise or defend legal claims, or enforce our terms and policies.

To save or protect an individual's vital interest. We may process your information when necessary to save or protect an individual's vital interest, such as to prevent harm.

3. HOW DO WE USE OPEN BANKING AND CONNECTED ACCOUNT DATA?

In Short: If you connect a bank account, we may receive and process account and transaction information to provide and improve the Services.

If you choose to connect a bank account, we may receive account information from your selected bank or from our Open Banking service providers, currently Plaid Technologies, Inc. and Salt Edge Inc. This information may include account details, balances, transaction dates, transaction amounts, merchant names, merchant descriptions, transaction categories and other information made available through the relevant connection.

Your connected account information may be collected both when you manually initiate a synchronisation and automatically on a recurring basis. We use automatic refreshes to keep your financial overview, budgets, transaction categorisation, insights, recommendations and other App features up to date.

The frequency and availability of automatic refreshes may depend on your bank, the relevant Open Banking service provider, technical availability and how you use the Services.

You can disconnect a connected bank account or withdraw the relevant consent at any time through the App or through the relevant Open Banking service provider, where available. Disconnecting a bank account will stop future collection of information from that account, but it will not automatically delete information that has already been collected and processed by us. You may request deletion of your personal data as described in this Privacy Policy.

4. HOW DO WE USE ARTIFICIAL INTELLIGENCE?

In Short: Some features of the Services may be powered by artificial intelligence, machine learning or similar technologies. We do not permit third-party AI service providers to use your personal data to train their AI models.

We may use artificial intelligence, machine learning or similar technologies to provide, maintain, improve and support features of the Services. These features may include transaction categorisation, financial summaries, spending insights, budgeting suggestions, personalised recommendations, anomaly detection, customer support and other App functionality. Where you interact directly with an AI system, such as an AI-powered support or chat feature, we will make this clear to you.

Where relevant, AI-powered features may process information available in the Services, including account information, transaction data, app activity, messages, prompts, feedback and other information you provide or generate when using the Services.

Providing these features involves profiling within the meaning of applicable data protection law, meaning that we analyse information such as your transactions and app activity in order to understand spending patterns and provide categorisation, insights and recommendations that are relevant to you. We do not, however, make any decisions based solely on automated processing that produce legal effects concerning you or that similarly significantly affect you.

We may use third-party artificial intelligence service providers, such as Anthropic, to help us provide AI-powered features. These providers may process personal data to provide certain artificial intelligence, machine learning and natural language processing functionality, such as transaction categorisation, financial summaries, spending insights, recommendations and support functionality.

We do not permit third-party AI service providers to use your personal data to train, improve or develop their artificial intelligence models. AI service providers may process your personal data only to provide the relevant functionality to us, in accordance with our instructions and applicable contractual safeguards.

We aim to limit the personal data shared with AI service providers to what is reasonably necessary for the relevant feature. Where appropriate, we may remove, mask, pseudonymise or minimise information before it is processed by an AI service provider.

AI-generated outputs may be inaccurate, incomplete or not up to date. They are provided for informational and budgeting purposes only and do not constitute financial, investment, legal, tax or other professional advice.

5. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?

In Short: We only process your personal information when we believe it is necessary and we have a valid legal reason to do so under applicable law, such as your consent, performance of a contract, compliance with legal obligations, protection of vital interests or our legitimate interests.

If you are located in the EU, EEA or UK, this section applies to you. The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. We may rely on the following legal bases:

Consent. We may process your information if you have given us permission to use your personal information for a specific purpose. This may include where you choose to connect a bank account through the Open Banking feature or where you choose to enable optional features that require consent. You can withdraw your consent at any time, although this may affect your ability to use certain features.

Performance of a Contract. We may process your personal information when we believe it is necessary to fulfil our contractual obligations to you, including providing the Services or at your request prior to entering into a contract with you. This includes processing necessary to provide account creation, budgeting tools, connected account features, transaction categorisation, financial summaries, insights, recommendations, AI-powered features and customer support.

Legal Obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, maintain required records, or disclose your information as evidence in litigation in which we are involved.

Legitimate Interests. We may process your information where it is necessary for our legitimate interests and your interests and fundamental rights do not override those interests. This may include maintaining, securing, troubleshooting, testing, improving and developing the Services, preventing fraud, understanding how users interact with the Services and improving the accuracy and performance of our features. Where we rely on legitimate interests, we consider and balance any potential impact on your rights.

Vital Interests. We may process your information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person.

If you are located in Canada, this section applies to you. We may process your information if you have given us specific permission, meaning express consent, to use your personal information for a specific purpose, or in situations where your permission can be inferred, meaning implied consent. You can withdraw your consent at any time. In some exceptional cases, we may be legally permitted under applicable law to process your information without your consent, including where collection or processing is permitted or required by applicable law, such as for investigations, fraud detection and prevention, business transactions, compliance with legal process, or other purposes recognised under applicable Canadian privacy laws.

6. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

In Short: We may share personal information with service providers and partners that help us provide, operate, secure and improve the Services.

Service providers. We may share personal information with third-party service providers that perform services for us or on our behalf, such as hosting, infrastructure, analytics, customer support, payment processing, security, fraud prevention, communications, Open Banking and artificial intelligence functionality.

Open Banking service providers. If you use the Open Banking feature, we may share and receive information with Open Banking service providers, currently Plaid Technologies, Inc. and Salt Edge Inc., in order to connect your bank account(s), retrieve account information and provide connected account features.

Payment providers. If you make purchases or subscribe to paid features, payment information may be processed by payment providers or app store providers, such as Apple, in accordance with their own terms and privacy notices.

AI service providers. We may share personal data with carefully selected artificial intelligence and machine learning service providers, such as Anthropic, to help us provide AI-powered features, including transaction categorisation, financial summaries, spending insights, recommendations and support functionality. These providers may process personal data only to provide the relevant functionality to us. We do not permit them to use your personal data to train their AI models, and we require appropriate contractual safeguards for the protection of your personal data.

Business transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, acquisition or similar transaction involving all or part of our business.

Legal obligations and rights. We may share information where we believe it is necessary to comply with applicable law, respond to lawful requests, cooperate with public authorities, protect our rights, prevent fraud or security issues, or protect the rights, property or safety of users or others.

We do not sell your personal data.

7. DO WE TRANSFER YOUR INFORMATION INTERNATIONALLY?

In Short: We are based in Sweden and primarily process personal data within the European Economic Area (EEA). Some of our service providers are located outside the EEA, including in the United States. Where personal data is transferred outside the EEA, we use appropriate safeguards.

We are established in Sweden and primarily store and process personal data within the EEA. However, some of the third-party service providers we use, including Open Banking service providers such as Plaid Technologies, Inc. and AI service providers such as Anthropic, are established in, or may process personal data in, countries outside the EEA, including the United States.

Where we transfer personal data to countries outside the EEA, the United Kingdom or Switzerland, we ensure that the transfer is subject to appropriate safeguards in accordance with applicable data protection law. Depending on the recipient, such safeguards may include: an adequacy decision by the European Commission, including transfers to recipients in the United States that are certified under the EU-U.S. Data Privacy Framework; the European Commission's Standard Contractual Clauses, supplemented where necessary by additional technical and organisational measures; or other transfer mechanisms recognised under applicable data protection law.

You may contact us at hello@buddy.download to obtain more information about the safeguards we use for international transfers, including, where relevant, a copy of the applicable safeguards.

8. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep personal information for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, prevent fraud and enforce our agreements.

We will keep your personal information for as long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law, such as for tax, accounting, fraud prevention, security, dispute resolution or other legal requirements.

If you disconnect a bank account, we will stop collecting new information from that account through the relevant connection. However, we may continue to retain information that has already been collected where it is necessary for the purposes described in this Privacy Policy or as required or permitted by law.

If you delete your account or request deletion of your personal data, we will delete or anonymise your personal information unless we are required or permitted to retain it for legal, security, fraud prevention, accounting, dispute resolution or other legitimate purposes.

Where deletion is not immediately possible, for example because information is stored in backup archives, we will securely store the information and isolate it from further processing until deletion is possible.

9. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of organisational and technical security measures.

We have implemented appropriate and reasonable technical and organisational security measures designed to protect the security of any personal information we process.

Where we use Open Banking providers, AI service providers or other third-party processors, we require appropriate contractual, technical and organisational safeguards designed to protect personal data. We also seek to limit the personal data shared with service providers to what is reasonably necessary for the relevant purpose.

However, despite our safeguards and efforts to secure your information, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure. We cannot promise or guarantee that hackers, cybercriminals or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

10. WHAT ARE YOUR PRIVACY RIGHTS?

In Short: In some regions, such as the European Economic Area (EEA), United Kingdom (UK), Switzerland and Canada, you have rights that allow you greater access to and control over your personal information. You may review, change or terminate your account at any time.

In some regions, you have certain rights under applicable data protection laws. These may include the right to request access and obtain a copy of your personal information, request rectification or erasure, restrict the processing of your personal information, object to processing, withdraw consent where we rely on consent, and, where applicable, request data portability.

You can make such a request by contacting us using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below. We will consider and act upon any request in accordance with applicable data protection laws.

If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find EEA supervisory authority contact details here: https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm. If you are located in Switzerland, the contact details for the data protection authorities are available here: https://www.edoeb.admin.ch/edoeb/en/home.html.

Withdrawing your consent. If we are relying on your consent to process your personal information, you have the right to withdraw your consent at any time. You can withdraw your consent by contacting us using the contact details provided below or, where available, by updating your preferences in the App. This will not affect the lawfulness of processing carried out before consent was withdrawn. If you withdraw consent, we may not be able to provide certain features of the Services.

Connected bank accounts. If you have connected a bank account, you can disconnect the account or withdraw the relevant consent at any time through the App or through the relevant Open Banking service provider, where available. This will stop future collection of information from that account but will not automatically delete information that has already been collected and processed by us. You may request deletion of your personal data as described in this Privacy Policy.

Opting out of marketing and promotional communications. You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, or by contacting us using the details provided below. You will then be removed from the marketing lists. However, we may still communicate with you for non-marketing purposes, such as service-related messages necessary for the administration and use of your account, responses to service requests or other administrative purposes.

Account Information. If you would at any time like to review or change the information in your account or terminate your account, you can log in to your account settings and update your user account, or contact us using the contact information provided. Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases, subject to any retention permitted or required by law. However, we may retain some information where necessary to prevent fraud, troubleshoot problems, assist with investigations, enforce our legal terms and/or comply with applicable legal requirements.

If you have questions or comments about your privacy rights, you may email us at hello@buddy.download.

11. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

12. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits California residents to request and obtain from us, once a year and free of charge, information about categories of personal information, if any, disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year.

If you are under 18 years of age, reside in California and have a registered account with the Services, you have the right to request removal of unwanted data that you publicly post on the Services. To request removal of such data, please contact us and include the email address associated with your account and a statement that you reside in California.

CCPA Privacy Notice

If the definition of "resident" under the California Code of Regulations applies to you, we must adhere to certain rights and obligations regarding your personal information. The categories of personal information we may collect include identifiers, California customer records information, commercial information, financial information, internet or other similar network activity, geolocation data where applicable, and inferences drawn from other personal information where relevant to the Services. We may also collect other personal information in the context of customer support, surveys, contests, delivery of Services and responses to inquiries.

More information about our data collection and sharing practices can be found in this privacy notice. You may contact us by email at hello@buddy.download or by referring to the contact details at the bottom of this document.

We may disclose personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider processes information on our behalf. Buddy Budgeting AB does not sell personal information.

Your rights may include the right to request deletion, the right to know whether and how we collect and use your personal information, the right to non-discrimination for exercising privacy rights, the right to correction, the right to object to certain processing and the right to designate an authorized agent. Before responding to certain requests, we may need to verify your identity. We will only use personal information provided in your request to verify your identity or authority to make the request.

13. DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this privacy notice from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

14. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may contact us by email or by post at:

Buddy Budgeting AB, Kungsgatan 29, 111 56 Stockholm, Sweden, hello@buddy.download

15. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information or delete it. To request to review, update or delete your personal information, please contact us at hello@buddy.download or use any request form made available through the Services.

This document was last revised on July 6, 2026.