Privacy policy & Cookies

Moneyappi Limited, Data Protection Register Reference ZB818126, is the controller and responsible for your personal data (collectively referred to as “moneyappi,” “we,” “us,” or “our” in this Privacy Policy). We have appointed a Data Protection Officer (DPO) who is responsible for overseeing questions in relation to this Privacy Policy. If you have any questions about this Privacy Policy, please contact the DPO using the details set out below.

For the purposes of the Data Protection Legislation as outlined in Regulation (EU) 2016/679 the European Parliament and of the Council on the protection of natural persons with regard to the processing of Personal Data and on the free movement of such data (hereafter the “General Data Protection Regulation” or “GDPR” ). Please read the following carefully to understand how we use your data.

This Privacy Policy provides information on how we collect and process your personal data through your use of our Services, including any data you may provide when you sign up for our services.

This website and our Services are not intended for children, and we do not knowingly collect data relating to children.

It is important that you read this Privacy Policy together with any other privacy policy or fair processing notice we may provide on specific occasions when we collect or process personal data about you, so you are fully aware of how and why we are using your data. This Privacy Policy supplements other notices and privacy policies and is not intended to override them.

moneyappi is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our financial wellness software as a service (SaaS), including our HR portal and mobile application (collectively, the “Services”). By accessing or using our Services, you agree to the terms of this Privacy Policy.

1.1 Personal Information When you register to use the moneyappi mobile app, we may collect the following personal information from you:

• Name
• Email address
• Phone number
• Access code provided by your employer
• Profile information you voluntarily provide

1.2 Company Information HR admins may access anonymous company information through the HR portal, which includes secure and aggregated data related to employee financial wellness. This data is anonymized and does not identify individual employees.

1.3 Financial Data With your consent, we may connect to your bank accounts through our third-party service provider, BUD.

Bud is the trading name of Bud Financial Limited, a company registered in England and Wales (No. 9651629). Bud® is authorised and regulated by the Financial Conduct Authority under registration number 765768 + 793327

This allows us to collect higher-level financial information, including but not limited to:

• Transaction history
• Account balances
• Spending patterns

1.4 Usage and Technical Data We may automatically collect information about your interaction with our Services, including:

• Device information (e.g., IP address, browser type)
• Usage information (e.g., pages visited, time spent on pages)
• Location information (if you provide consent)

1.5 Marketing and Communications Data We may collect information about your preferences in receiving marketing from us and our third parties and your communication preferences.

1.6 How We Collect Data We collect your personal data in the following ways:

• Direct Interactions: You may provide personal data by filling out forms or by corresponding with us via email, phone, or other communication methods. This includes personal data you provide when you register for an account, subscribe to our services, or request support.
• Automated Technologies: As you interact with our Services, we may use automated technologies to collect information about your equipment, browsing actions, and patterns. This includes the use of cookies, server logs, and web beacons.
• Third-Party Sources: We may receive personal data about you from third-party sources, such as analytics providers and publicly available information.
  
  

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.

We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). Nor do we collect any information about criminal convictions and offences.

If you fail to provide personal data

Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with goods or services). In this case, we may have to cancel a product or service you have with us but we will notify you if this is the case at the time.

We use the information we collect for the following purposes:

• To Provide Services: To deliver, maintain, and improve our Services.
• Personalisation: To personalise your experience within the app and provide tailored recommendations.
• Communication: To send you updates, security alerts, and support messages.
• Analytics: To analyse usage patterns and improve our Services.
• Compliance: To comply with legal obligations and protect our rights.

We do not sell or rent your personal information to third parties. We may share your information in the following circumstances:

• With Service Providers: We may share information with third-party vendors who assist us in providing our Services, including data analysis, and customer support.
• For Legal Reasons: We may disclose your information if required by law or in response to valid requests by public authorities.
• Business Transfers: If we are involved in a merger, acquisition, or asset sale, your personal information may be transferred as part of that transaction.
• With Consent: We may disclose your information with your consent.

We implement appropriate technical and organisational measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, secure servers, and regular security assessments. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee its absolute security.

You have the following rights regarding your personal information:

• Access: Request a copy of your personal information we hold.
• Correction: Request correction of any inaccurate personal information.
• Deletion: Request deletion of your personal information, subject to our legal obligations.
• Withdrawal of Consent: Withdraw your consent to our processing of your personal information.
• Objection: Object to our processing of your personal information in certain circumstances.
• Opting out: If you opt out of marketing messages, we will still be required to process your personal data to provide the [services] to you.

Your legal rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. Please wee the section below to find out more about these rights. If you wish to exercise any of the rights set out above, please contact us.

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.

To exercise these rights, please contact us using the contact information provided below.

We use cookies and similar tracking technologies to monitor activity on our Services and store certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Services.

Our Services may contain links to third-party websites or services that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We recommend reviewing the privacy policies of any third-party sites you visit.

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the effective date. We encourage you to review this Privacy Policy periodically for any changes. Your continued use of the Services after any modifications to the Privacy Policy will constitute your acknowledgment of the modifications and your consent to abide by and be bound by the modified policy.

We keep our Privacy Policy under regular review. It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

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

[email protected]

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK regulator for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO, so please contact us in the first instance.

Well done for reaching the end!

We'd love you to be comfortable with how we collect and use your data. If you have any questions or suggestions, please email [email protected]