Budgie

Privacy Policy

Version 1.0 - Effective Date: November 2025

1. Introduction

Budgie ("we", "us", or "our"), operated by Nispre, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our household budget management service.

We comply with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth).

2. Information We Collect

2.1 Information You Provide

  • Account Information: Name, email address, password (encrypted)
  • Household Information: Household name, partner details
  • Financial Data: Bank statements you upload (CSV files), income information, budget settings
  • Payment Information: Processed securely by Stripe; we do not store card details

2.2 Information Collected Automatically

  • Device and browser information
  • IP address
  • Usage data (pages visited, features used)
  • Cookies and similar technologies

3. How We Use Your Information

We use your information to:

  • Provide and maintain the Service
  • Process your transactions and manage your subscription
  • Categorize and analyze your financial data
  • Generate reports and insights for your household
  • Send service-related communications
  • Improve and develop new features
  • Ensure security and prevent fraud
  • Comply with legal obligations

4. How We Protect Your Data

We implement robust security measures:

  • Encryption: All data is encrypted in transit (TLS/SSL) and at rest
  • Household Isolation: Your data is strictly isolated from other households
  • No Bank Access: We never connect to your bank accounts directly
  • Secure Infrastructure: Hosted on enterprise-grade cloud infrastructure
  • Access Controls: Strict internal access policies
  • Regular Audits: Security practices reviewed regularly

5. Data Sharing and Disclosure

We do not sell your personal or financial data.

We may share information with:

  • Service Providers: Third parties who help us operate the Service (e.g., Stripe for payments, hosting providers)
  • Legal Requirements: When required by law, court order, or government request
  • Business Transfers: In connection with a merger, acquisition, or sale of assets
  • With Your Consent: When you explicitly authorize us to share information

6. Data Retention

We retain your data for as long as your account is active or as needed to provide the Service.

  • Account data: Retained until you delete your account
  • Financial data: Retained until you delete your account or specific data
  • Backup data: Retained for up to 30 days after deletion
  • Legal records: May be retained longer if required by law

7. Your Rights

Under Australian Privacy Law, you have the right to:

  • Access: Request a copy of your personal information
  • Correction: Request correction of inaccurate information
  • Deletion: Request deletion of your data (subject to legal requirements)
  • Complaint: Lodge a complaint with the Office of the Australian Information Commissioner (OAIC)

To exercise these rights, contact us through the Service.

8. Cookies and Tracking

We use cookies and similar technologies for:

  • Essential Cookies: Required for authentication and security
  • Preference Cookies: Remember your settings (e.g., dark mode)
  • Analytics Cookies: Understand how you use the Service (optional)

You can control cookies through your browser settings.

9. Children's Privacy

The Service is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. International Data Transfers

Your data may be processed in countries outside Australia. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with Australian privacy law.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or through the Service. The "Effective Date" at the top of this policy indicates when it was last updated.

12. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at:

hello@budgiebudget.app

Office of the Australian Information Commissioner (OAIC)
Website: www.oaic.gov.au
Phone: 1300 363 992