Privacy Policy & Terms and Conditions

01 Introduction

Budget Nudge ("Budget Nudge," "we," "us," or "our") is a personal finance and expense-tracking application designed to help users record, organize, understand, and improve their financial habits. This Privacy Policy explains how we collect, use, store, protect, and disclose information when you use Budget Nudge and related services (the "Service").

By using the Service, you acknowledge that you have read this Privacy Policy. Where applicable law requires consent, we will obtain the consent required for the relevant processing activity.

02 Information We Collect

Account information. We may collect your name, email address, authentication information, and account identifiers.

Profile and onboarding information. We may collect financial goals, milestones, budgeting preferences, and other information you choose to provide.

Transaction information. For manually recorded transactions, we may collect amounts, transaction type, category, date, title/description, notes, and related information.

Connected financial account information. If Budget Nudge offers bank or financial-account connections and you choose to use them, we may receive information made available through the relevant financial-data or open-banking provider, subject to your authorization and that provider's terms.

Device and technical information. We may collect device type, browser, operating system, IP address, application activity, crash information, and security logs where reasonably necessary.

Communications. If you contact us, we may retain the information you provide so that we can respond and maintain support records.

03 How We Use Information

We may use information to provide, maintain, personalize, secure, and improve Budget Nudge; authenticate users; synchronize authorized financial accounts; process and display transactions; calculate balances and goal progress; provide budgeting insights and notifications; troubleshoot technical problems; prevent fraud and abuse; communicate about the Service; comply with legal obligations; and develop aggregated or de-identified analytics where permitted by law and applicable consent requirements.

We do not treat your financial information as a general-purpose advertising database. Any use or sharing of financial information for purposes beyond providing the Service will be subject to applicable law, contractual restrictions, and required consent.

04 Financial Data and Connected Accounts

Budget Nudge may allow users to connect banks, wallets, or other financial accounts through third-party financial-data or open-banking providers. When you connect an account, you authorize the relevant provider to make the selected information available to Budget Nudge for the purposes you approve.

Budget Nudge does not guarantee that every bank, financial institution, account type, or transaction will be supported or synchronized without interruption. Financial data may be delayed, incomplete, incorrectly categorized, duplicated, or unavailable because of limitations or outages involving a third-party provider or financial institution.

Users should review the permissions presented during account connection and should only connect accounts they are authorized to access.

05 Transaction Categorization and Financial Insights

Budget Nudge may categorize transactions and generate summaries, forecasts, goal-progress calculations, or other financial insights. These outputs are designed to help users organize and understand their financial activity and may contain errors.

Budget Nudge is not a bank, broker, investment adviser, lender, insurer, accountant, or financial planner unless expressly stated otherwise. Insights are not individualized financial, investment, tax, legal, or credit advice.

06 Cookies and Similar Technologies

We may use cookies, local storage, session technologies, analytics tools, and similar technologies to maintain sessions, remember preferences, improve security, understand usage, and improve the product. Where required, we will provide appropriate choices or consent mechanisms.

07 How We Share Information

We may share information with service providers that help us operate Budget Nudge, including hosting, authentication, database, analytics, security, communications, customer-support, payment, and financial-data providers. We may also disclose information when required by law or legal process; to protect users or the Service; to investigate fraud or abuse; or in connection with a merger, acquisition, financing, restructuring, or sale of the business or assets, subject to applicable law.

Where permitted by law, Budget Nudge may use aggregated or de-identified information that does not reasonably identify an individual for analytics, research, product development, benchmarking, and legitimate business purposes.

08 Advertising and Marketing

Budget Nudge may display advertisements, sponsored content, partner offers, or financial-product promotions. Such content will be identified appropriately where required. We do not promise that advertising or partner recommendations are suitable for a particular user.

Budget Nudge may receive compensation from partners when users interact with or purchase qualifying products or services, where permitted by law.

09 Data Retention

We retain personal information for as long as reasonably necessary to provide the Service, maintain account records, meet legitimate business and security needs, resolve disputes, enforce agreements, and comply with legal obligations. When information is no longer required, we may delete, anonymize, aggregate, or securely dispose of it, subject to legal and technical limitations.

10 Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information against unauthorized access, loss, misuse, alteration, or disclosure. No online system can be guaranteed completely secure.

Users are responsible for maintaining the confidentiality of their login credentials and reporting suspected unauthorized access.

11 Your Privacy Rights

Depending on where you live and applicable law, you may have rights to access, correct, delete, restrict or object to certain processing, withdraw consent where processing is based on consent, and request a copy of certain information. You may also have the right to complain to a competent data-protection authority.

Requests may be made through the privacy/support contact provided in the Service. We may verify your identity before completing a request.

12 Children's Privacy

Budget Nudge is not intended for children who are below the minimum age at which they can lawfully consent to processing of personal data in their jurisdiction. We do not knowingly collect children's personal information in violation of applicable law.

13 International Data Transfers

Budget Nudge and its service providers may process information in countries other than the country in which you live. Where required by law, we will use appropriate safeguards for international transfers.

14 Third-Party Services

Budget Nudge may integrate with authentication, financial-data, analytics, payment, and other third-party services. Those services operate under their own terms and privacy policies. Budget Nudge is not responsible for independent privacy practices outside our control.

15 Changes to This Privacy Policy

We may update this Privacy Policy as Budget Nudge develops, new features are introduced, or legal requirements change. We will post the updated version and revise the Effective Date. Where required, we will provide additional notice or obtain consent.

16 Contact

For privacy questions, requests, or complaints, contact Budget Nudge through the official support or contact channel provided in the application or on the official website. Before launch, insert the legal entity name, registered address, privacy contact, and official email address.

01 Acceptance of These Terms

These Terms and Conditions ("Terms") govern access to and use of Budget Nudge and its related services. By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

If you use Budget Nudge on behalf of a business or another person, you represent that you have authority to accept these Terms on their behalf.

02 Eligibility and Accounts

You must provide accurate information when creating an account and keep it reasonably up to date. You are responsible for maintaining the confidentiality of your account credentials and for activity through your account, except to the extent caused by our own failure to protect the Service.

You may not use Budget Nudge for unlawful purposes, to impersonate another person, to interfere with the Service, to attempt unauthorized access, or to abuse or exploit another user's information.

03 The Budget Nudge Service

Budget Nudge is a personal finance and expense-tracking tool. Features may include manual transaction tracking, account synchronization, budgeting tools, goals and milestones, transaction categorization, financial calendars, notifications, financial summaries, and other features introduced over time.

Features may vary by plan, location, device, financial institution, and availability. We may add, modify, suspend, or discontinue features where reasonably necessary.

04 Financial Disclaimer

Budget Nudge provides tools and information to help users organize and understand their finances. The Service does not constitute financial, investment, tax, legal, accounting, lending, insurance, or credit advice. You are responsible for evaluating financial decisions and obtaining professional advice where appropriate.

Budget Nudge does not guarantee any particular financial outcome, savings amount, investment return, loan approval, credit result, or achievement of a financial goal.

05 Accuracy of Information

Manually entered information can contain errors and synchronized financial information may be delayed, incomplete, duplicated, incorrectly categorized, or unavailable. You should verify important balances, transactions, payments, and decisions against your bank or other primary records.

Goal progress may be based on transactions, transfers, user-designated allocations, or other supported rules. An amount shown as saved, allocated, or progress does not necessarily mean that funds were physically moved into a separate account unless the Service explicitly performs or confirms such a transfer.

06 Bank and Financial Account Connections

If you connect a financial account, you authorize Budget Nudge and the applicable third-party provider to access and process the information necessary for the connection features you selected. You must have authority to connect the account.

Budget Nudge does not control the availability, security, accuracy, or continued operation of a third-party bank or financial-data provider.

07 Free and Paid Plans

Budget Nudge may offer free and paid plans. Pricing, billing periods, feature limits, and included features will be presented at purchase. We may change pricing for future billing periods with reasonable notice where required.

Paid features may include multiple connected accounts, advanced goals and milestones, advanced financial insights, automated transaction synchronization, and other premium functionality. Exact features may change.

08 Subscriptions and Payments

If you purchase a subscription, you authorize the applicable payment provider or app store to charge the selected payment method. Renewal, cancellation, refunds, and billing rules may also be governed by the payment provider or app store through which you purchased.

Before launch, Budget Nudge should insert the specific cancellation, refund, renewal, trial, and app-store terms applicable to each distribution channel.

09 Advertising and Partner Offers

Budget Nudge may display advertisements and partner offers. Third-party products and services are offered by their respective providers, and Budget Nudge does not guarantee their quality, suitability, availability, pricing, or performance. Users should review third-party terms before purchasing or using a third-party product.

10 User Content

You retain rights in information and content you submit to Budget Nudge, subject to the rights necessary for us to operate the Service. You grant Budget Nudge the limited rights necessary to host, store, process, reproduce, format, and display your content for providing and improving the Service, subject to the Privacy Policy and applicable law.

11 Intellectual Property

Budget Nudge, including its software, interface, branding, logos, designs, text, graphics, and other original materials, is owned by Budget Nudge or its licensors. These Terms do not transfer ownership to you.

12 Prohibited Conduct

You may not reverse engineer or attempt to extract source code except where law expressly permits it; circumvent security or access controls; introduce malware; scrape or harvest information without authorization; interfere with another user's account; commit fraud; or use the Service in a way that violates law or third-party rights.

13 Suspension and Termination

We may suspend or terminate an account where reasonably necessary to address security risks, fraud, abuse, unlawful conduct, material violations of these Terms, or operational requirements. Users may stop using the Service and request account deletion subject to applicable legal and technical requirements.

14 Service Availability

We aim to keep Budget Nudge available and reliable but do not guarantee uninterrupted or error-free operation. The Service may be temporarily unavailable because of maintenance, security events, technical failures, internet or telecommunications issues, third-party outages, or circumstances beyond reasonable control.

15 Disclaimers

To the maximum extent permitted by applicable law, the Service is provided on an "as is" and "as available" basis. Budget Nudge disclaims warranties not expressly stated in these Terms, except where such disclaimers are prohibited by law.

16 Limitation of Liability

To the maximum extent permitted by law, Budget Nudge will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of profits, revenue, data, opportunities, or goodwill arising from or related to use of the Service.

Where liability cannot lawfully be excluded, it will be limited to the maximum extent permitted by law. Nothing excludes liability that cannot legally be excluded or limited.

17 Indemnity

To the extent permitted by law, you agree to defend and indemnify Budget Nudge and its officers, employees, contractors, and service providers against claims, losses, liabilities, and expenses arising from your unlawful use of the Service, violation of these Terms, or infringement of another person's rights, except where caused by Budget Nudge's own conduct to the extent liability cannot be shifted.

18 Governing Law and Disputes

Before publication, Budget Nudge should specify the legal entity operating the Service and the governing jurisdiction. If operated by a Nigerian entity, counsel should determine the appropriate Nigerian governing law, dispute-resolution mechanism, and venue. Mandatory consumer-protection and data-protection rights will not be excluded where they cannot lawfully be excluded.

19 Changes to These Terms

We may update these Terms as the Service changes. We will post updated Terms and revise the effective date. Where required by law, we will provide additional notice or obtain consent. Continued use after an effective update constitutes acceptance to the extent permitted by law.