UniBudgie Limited

About Budgie

Budgie is a budgeting app aimed to help UK University students manage specific finances like Student Finance, accommodation Laundry, and other aspects of Uni life.

ICO reference: ZC161658

Terms of Service and Privacy Policy

TERMS OF SERVICE — Budgie
Last updated: October 2026
Effective date: NA1. About Budgie
These Terms of Service ('Terms') govern your use of the Budgie mobile application and any related services ('Service'), operated by Budgie ('Budgie', 'we', 'us', 'our').
By creating an account, you agree to these Terms. If you do not agree, do not use the Service.2. Eligibility
You must be at least 18 years old to use Budgie. By signing up, you confirm that you are 18 or older. Budgie is designed for use in the United Kingdom. If you access the Service from outside the UK, you do so at your own risk and are responsible for complying with local laws.3. Your account
You are responsible for: keeping your password secure, all activity that occurs under your account, providing accurate information during registration, and notifying us immediately at [email protected] if you suspect unauthorised access to your account.
We may suspend or terminate accounts that violate these Terms, provide false information, or are involved in fraud.4. The Service
Budgie provides personal budgeting tools including bank account connection (via Open Banking), manual transaction tracking, event planning, and community features.
Budgie is a financial management tool, not a bank. We do not hold your money, initiate payments, or provide regulated financial advice. All content in the app, including community posts and spending insights, is for informational purposes only and does not constitute financial advice.5. Open Banking and bank connection
Connecting your bank account is optional. If you do, you grant Budgie read-only access to your transaction history and account balance via a regulated Open Banking provider. Budgie cannot and will not initiate any payments from your account. You can disconnect your bank account at any time in Settings.
Bank access is provided by Finexer, an FCA-authorised Account Information Service Provider. Their terms also apply when you connect your bank.6. Premium subscription
Budgie Premium is available for £2.99 per month (or the price shown at checkout). Payments are processed by Stripe, Inc. Your subscription renews automatically each month until cancelled.
To cancel, go to Settings → Subscription → Cancel Premium at least 24 hours before your next renewal date. Cancelled subscriptions remain active until the end of the paid period. We do not offer refunds for partial months, except where required by law.7. Community guidelines
Budgie's community features are for peer discussion only. You must not post: financial advice presented as professional guidance, personal information about others, abusive, harassing, or discriminatory content, spam or promotional content, or anything illegal under UK law.
Content that violates these guidelines may be removed without notice. Repeat violations may result in account suspension or termination. All community content is peer discussion — Budgie does not endorse or verify the accuracy of any post.8. Intellectual property
All content in the Budgie app — including the name, logo, design, code, and text — is owned by Budgie and protected by UK and international intellectual property law. You may not copy, reproduce, or distribute any part of the Service without written permission.9. Limitation of liability
To the maximum extent permitted by law, Budgie is not liable for: financial decisions you make based on the app's output, inaccuracies in categorised transaction data, delays in Open Banking data, data loss caused by third-party services, or indirect or consequential losses of any kind.
Our total liability to you in any 12-month period is limited to the amount you paid for Budgie Premium in that period, or £10 if you are a free user.10. Changes to the Service and Terms
We may update these Terms from time to time. We will notify you by email and in-app notification at least 14 days before any material changes take effect. Continued use of the Service after that date constitutes acceptance of the updated Terms.11. Governing law
These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.12. Contact
Questions about these Terms: [email protected]
Data and privacy queries: [email protected]
General support: [email protected]

PRIVACY POLICY — Budgie
Last updated: October 2026
Effective date: NA1. Who we are
Budgie is a personal finance app for university students, operated by founder, Louis Dolamore and partners (company number 17259095), registered in England and Wales. Our registered address is 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ.
We are registered with the Information Commissioner's Office (ICO), registration number ZC161658.
If you have any questions about how we handle your data, contact us at: [email protected]2. What personal data we collect
Data type What we collect Why
Account data Name, email address, password (hashed — never stored in plaintext) To create and manage your account
Profile data University, course, year of study (optional) To personalise your experience
Financial data Bank account balance, transaction history (read-only via Open Banking) To power the budgeting features
Budget data Your budget settings, categories, spending limits To provide the core service
Device data Device type, OS version, push notification token To send you notifications
Usage data Features used, screens visited, session duration To improve the app (analytics)
Community data Posts and messages in community channels (if used) To provide the community feature3. How we use your data and our lawful basis
Purpose Lawful basis Details
Providing the budgeting service Contract Processing necessary to deliver what you signed up for
Sending budget and transaction notifications Contract Part of the core service you requested
Improving the app Legitimate interests Anonymised analytics to improve features
Processing subscription payments Contract Necessary to manage your Premium subscription via Stripe
Sending marketing emails (if opted in) Consent Only if you tick the marketing opt-in. Withdrawable at any time.
Complying with legal obligations Legal obligation E.g. responding to valid ICO or court requests4. Who we share your data with
We share your data only with the following third parties, each of whom is bound by a Data Processing Agreement:
Third party Purpose Where data is stored
Supabase Inc. Database hosting and authentication EU (Ireland) — GDPR-adequate
Stripe, Inc. Payment processing for Premium subscriptions EU and UK servers
Finexer (open banking provider) Connecting your bank account UK — FCA authorised
OpenAI AI categorisation of transactions (merchant name only — no account numbers) USA — Standard Contractual Clauses apply
Expo (push notifications) Delivering push notifications to your device USA — Standard Contractual Clauses apply
Discord (if community used) Community chat features USA — Standard Contractual Clauses apply
We do not sell your data. We do not share your data with advertisers.5. How long we keep your data
Data type Retention period
Account and profile data Until you delete your account, plus 30 days grace period
Financial transaction data Until you delete your account
Budget and event data Until you delete your account
Payment records 7 years (legal requirement for financial records)
Community posts Until deleted by you or removed by moderation
Analytics data 13 months (anonymised after 30 days)6. Your rights under UK GDPR
• Right of access — request a copy of all data we hold about you
• Right to rectification — ask us to correct inaccurate data
• Right to erasure — ask us to delete your account and all associated data
• Right to restrict processing — ask us to pause processing in certain circumstances
• Right to data portability — receive your data in a machine-readable format
• Right to object — object to processing based on legitimate interests
• Right to withdraw consent — for any consent-based processing, withdraw at any time
To exercise any of these rights, email: [email protected]. We will respond within 30 days.We plan to process your transaction and usage data to generate anonymised, aggregated statistical insights under the lawful basis of legitimate interests, as permitted by UK GDPR Article 6(1)(f).
We have carried out a legitimate interests assessment and are satisfied that this processing is necessary for our legitimate business interests in understanding student financial behaviour, improving our product, and developing commercial partnerships with student-focused organisations.
In carrying out this assessment, we considered the following: the data is processed only after genuine anonymisation, meaning all personally identifiable information is removed before any insight is generated or shared; the aggregated output cannot reasonably be used to re-identify any individual user; the processing is limited to statistical analysis and does not involve any automated decision-making that affects you individually; and the commercial benefit to UniBudgie is proportionate and does not override your fundamental rights and freedoms as a data subject.
We recognise that you have a right to object to processing carried out under legitimate interests.
If you object, we will cease using your data for this purpose unless we can demonstrate compelling legitimate grounds that override your interests, rights, and freedoms.
To exercise your right to object, contact us at [email protected] or use the Privacy settings within the UniBudgie app. Your objection will be processed within 30 days and will not affect your access to any feature of the app.
No third party receiving anonymised aggregate insights from UniBudgie will receive any information capable of identifying you.
All third-party data sharing arrangements are governed by written data sharing agreements that prohibit re-identification attempts and restrict use to the specific purposes agreed.
A record of all third-party data sharing arrangements is maintained by UniBudgie Limited in accordance with our obligations under UK GDPR Article 30.7. Data security
We protect your data using industry-standard measures including: end-to-end encryption in transit (TLS 1.3), encryption at rest (AES-256), Row Level Security in our database ensuring users can only access their own data, and biometric authentication on the app.
Bank account credentials are never stored by Budgie. We connect via Open Banking APIs which provide read-only access — we cannot move money from your account.8. Cookies and tracking
The UniBudgie app does not use advertising cookies. Our website uses essential cookies only (to keep you logged in and remember preferences). If we add analytics cookies, we will ask for your consent first via a cookie banner.9. Children's data
UniBudgie is not intended for users under 18. If you are under 18, please do not use the app. If we become aware that a user under 18 has signed up, we will delete their account promptly.10. We may analyse usage patterns and transaction data collected through UniBudgie to generate anonymised, aggregated statistical insights. These insights do not identify you personally and cannot reasonably be used to identify any individual user.
Anonymised aggregate insights may include information such as average spending by category, general spending patterns across student cohorts, and broad demographic trends. This information is derived from your data only after it has been processed to remove all personally identifiable information, including your name, email address, account details, and any other information that could identify you.
We may share these anonymised aggregate insights with third-party commercial partners, including market research firms, consumer brands, and student-focused organisations, for the purposes of student consumer research and product development. No information that identifies you individually will ever be shared with any third party for commercial purposes without your explicit consent.
You have the right to object to your data being used for this purpose. If you wish to opt out of your data contributing to anonymised aggregate insights, you may do so at any time by contacting us at [email protected] or through the Privacy settings within the app. Opting out will not affect your ability to use any feature of UniBudgie.
This processing is carried out on the basis of our legitimate interests in understanding student financial behaviour and improving the quality of our service and partnerships, as permitted under UK GDPR Article 6(1)(f). Where we share anonymised insights with third-party partners, we ensure that appropriate data sharing agreements are in place and that the information shared cannot be used to re-identify any individual.
For full details of how we collect, use, and protect your personal data, please refer to our Privacy Policy at unibudgie.com/privacy.11. Changes to this policy
We will notify you of any material changes to this policy via email and an in-app notification at least 14 days before the changes take effect.12. How to complain
If you are unhappy with how we have handled your data, you can contact us at [email protected]. If you are not satisfied with our response, you have the right to complain to the Information Commissioner's Office (ICO) at ico.org.uk or by calling 0303 123 1113.