Privacy and the security of data are of paramount importance to all of us at Audapio. Please read this document carefully, and if you have any questions or queries about the contents, please email us at email@example.com.
Audapio Ltd is the controller and is responsible for your personal data (collectively referred to as “we”, “us” or “our” in this policy). We are registered as a data controller under registration number ZA678773 with the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues.
Our full details are:
You have the right to make a complaint at any time to the ICO (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.
Truelayer is our Account Information Services provider. We use Truelayer to securely connect your accounts and credit cards to Audapio.
When you connect, Truelayer gains read-only access and stores transaction data associated with the connected accounts. This lets us display your account information and transactions within Audapio. All your details are encrypted and protected by bank level security.
Audapio is acting as an agent of TrueLayer, who is authorised by the FCA as an Authorised Payment Institution (reference number: 793171).
Our Sites may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. Please note that these websites and any services that may be accessible through them have their own privacy policies and that we do not accept any responsibility or liability for these policies or for any personal data that may be collected through these websites or services, such as Contact and Location Data. Please check these policies before you submit any personal data to these websites or use these services.
We may collect, use, store and transfer different kinds of personal data about you as follows:
We explain these categories of data below (“Description of categories of personal data”).
We will collect and process the following data about you:
Information you give us. This is information (including Identity, Contact, Financial, and Marketing and Communications Data) you consent to giving us about you by filling in forms on the Web App or our Website, or by corresponding with us (for example, by email or chat). It includes information you provide when you register to use the Web App, subscribe to any of our Services, and when you report a problem with our Web App, our Services, or any of Our Sites. If you contact us, we will keep a record of that correspondence.
Location Data. We also use GPS technology and WiFi to determine your current location. Some of our location-enabled Services require your personal data for the feature to work. If you wish to use the particular feature, you will be asked to consent to your data being used for this purpose. You can withdraw your consent at any time by disabling Location Data in your settings.
Information we receive from other sources including third parties and publicly available sources. We will receive personal data about you from various third parties and public sources as set out below:
Device Data from analytics providers such as Google based outside the EU;
Contact, Financial and Transaction Data from providers of technical, payment and banking services based inside the EU;
Identity and Contact Data from Identity Providers based inside the EU; and
Unique application numbers. When you want to install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation, for example, the type of operating system, may be sent to us.
We will only use your personal data when the law allows us to do so. Most commonly we will use your personal data in the following circumstances:
We will only send you direct marketing communications by email if we have your consent. You have the right to withdraw that consent at any time by contacting us.
We will get your express opt-in consent before we share your personal data with any third party for marketing purposes.
|Purpose / Activity||Type of data||Lawful basis for processing|
|To provide you with the Services (categorised transactions, internal and external audit analysis) by linking your bank accounts and associated Transaction Data to the Web App||Identity Contact Financial Company Transaction Device Marketing and Communications Location||Your consent Performance of a contract with you|
|To share income and expenditure analytics with financial services organisations||Identity Contact Financial Company Transaction||Your consent|
|To manage our relationship with you including notifying you of changes to the Web App or any Services||Identity Contact Financial Company Profile Marketing and Communications||Your consent Performance of a contract with you Necessary for our legitimate interests (to keep records updated and to analyse how customers use our products/ Services) Necessary to comply with legal obligations (to inform you of any changes to our terms and conditions)|
|Storing and using Transaction and Financial Data to develop and improve our AI models and algorithms||Financial Company Transaction Location Device||Necessary for our legitimate interests (to train and improve the accuracy of our AI models and analytics and to improve our categorisation of transactions, internal and external audit analysis)|
|To administer and protect our business and this Web App including troubleshooting, data analysis and system testing||Identity Contact Device||Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security)|
|To deliver content and advertisements to you To make recommendations to you about goods or services which may interest you To measure and analyse the effectiveness of the advertising we serve you To monitor trends so we can improve the Web App||Identity Contact Device Content Profile Usage Marketing and Communications Location||Consent Necessary for our legitimate interests (to develop our products/Services and grow our business)|
When you consent to providing us with your personal data, we will also ask you for your consent to share your personal data with the third parties set out below for the purposes set out in the table above (“Purposes for which we will use your personal data”):
We do not transfer your personal data outside the European Economic Area (EEA).
All information you provide to us is stored on our secure servers. Where we have given you (or where you have chosen) a password that enables you to access certain parts of Our Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Once we have received your information, we will use strict procedures and security features to try to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way.
We will collect and store personal data on your Device using application data caches and browser web storage (including HTML5) and other technology.
We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator when we are legally required to do so.
We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
For example, we may use your Financial, Transaction, Location and Device Data to train artificial intelligence models to improve our Services of internal and external audit analysis (for our legitimate interests). We will retain this personal data for as long as reasonably necessary for this purpose.
In some circumstances you can ask us to delete your data by emailing firstname.lastname@example.org: see “Your legal rights” below for further information.
In some circumstances we will anonymise your personal data (so that it can no longer be associated with you) for research, development or statistical purposes, in which case we may use this information indefinitely without further notice to you.
Our Services are not intended for use by anyone younger than 18 years old. Please do not use our Services if you are under 18.
Under certain circumstances you have the following rights under data protection laws in relation to your personal data:
You also have the right to ask us not to continue to process your personal data for marketing purposes.
You can exercise any of these rights at any time by contacting us at email@example.com.
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 our relationship with you.