Buddy Privacy Policy

By installing Buddy or in other way use or accessing our services, you accept the terms and conditions of this Privacy Policy and the processing of your personal data.
 You may use Buddy in a way that doesn’t require any of your information. In such case, no Personal Data is collected or processed.

Personal Data Controller

Responsible for the processing of your personal data is:
Company name: 
Nattkod AB

Corporate Identity Number: 
Address: Vallavägen 165

13641 Handen, Sweden


Personal data we collect

When using Buddy you might be prompted to input personal information such as:
- Your Email address
- First and last name
- Currency preference
- Information about your personal finance (income and expenses)

Input of personal data is optional but required for certain features of Buddy to work properly. By entering any personal data you agree that you provide it voluntarily.

In an ongoing effort to improve our applications, additional personal data may be collected from you. In such case, we will notify you when the personal data collection takes place.

Our use of your personal data

Primarily, we use your personal data to enable features in Buddy such as:
* Data synchronisation between multiple devices.
* Backup of your data in case you need to install Buddy from scratch on a new device.
* Data synchronization between members of a budget
Contacting you back after sending us feedback or questions. We may use your personal data for the purposes of further develop Buddy and analyse usage of Buddy. Buddy will not share your personal data with third parties without your permission, except in the limited circumstances provided below. Personal data collected from you may be shared with our affiliates, agents and business partners. We may disclose your personal data in order to comply with a legal or regulatory obligation, if we reasonably believe that this is required by law, regulation or other legislation, or in order to protect and defend Buddy, our business partners or users’ rights and interests. Buddy may use your aggregated data with third parties to perform analysis.

Technical and Anonymous Data

You hereby agree that Provider may collect and use technical data, including but not limited to information about your mobile device and system, Internet connection or your use of Buddy. The purpose of the collection of technical data is to ensure quality, increase your comfort and further analyse and develop Buddy and related services. You also agree that Provider may anonymize your personal data, where possible, and use the anonymous data at its sole discretion for any purpose, particularly for creating anonymous analyses and statistics. You acknowledge that the anonymous data may be disclosed or sold to third parties, including outside the territory of the European Union.


We do not knowingly collect any personal data from children under the age of 13 and our services do not target children under 13. If you are under 13, please do not submit any personal data through our services. Further, we encourage parents and legal guardians to monitor their children's Internet use and to help us in enforcing our Privacy Policy by instructing their children to never provide any personal data through our service without their permission. If you become aware that a child under the age of 13 has submitted personal data to us, please contact us and we will do our best to delete that account from our database.

Your rights

You have the right to ask what personal data that we hold about you and to ask us to update and correct any out-of-date or incorrect personal data that we hold about you. Your consent to the processing of your personal data may only be withdrawn by sending a written notice signed by you to the address of the Provider. If your consent to personal data processing is withdrawn, the Provider will delete your Buddy account and personal data with the consequences set out in the Terms.

Changes to our Privacy Policy

From time to time, it may become necessary to make changes to this Privacy Policy. Therefore, we reserve the right to update and/or modify this Privacy Policy at any time. Please review this Privacy Policy frequently, and especially before you register an account with Buddy. The date of the last modification is listed at the bottom of this Privacy Policy.


We may communicate with you by email and notices posted in your mobile device. If you do not wish to receive notices in your mobile device, you can always turn off this service in Buddy and your device native settings. Please be aware that if you unsubscribe from our mailing list you will still be receiving answers to your questions sent to our feedback/support but you will not be receiving promotional emails. We welcome your feedback regarding our Services. If you have any questions or suggestions regarding our Privacy Policy, please contact us at olle@nattkod.tech.

Terms and Conditions

Buddy is a mobile phone application for various platforms, developed and offered to you by Nattkod AB s.r.o. ("Provider"). It enables its users to track and manage personal finance budget and analyze their income and expenses. Your use of the Buddy mobile phone application and all the related services provided through it by Provider (collectively referred as "Buddy") is subject to the following terms (“Terms”), which upon your acceptance form a legally binding agreement between you and the Provider. For the avoidance of doubt, such agreement is concluded solely between you and the Provider and there are no other parties to it. Buddy is currently available for download free of charge, however it contains in-app purchases to unlock additional features ("Premium features”). Provider does not guarantee that Buddy or any of its features will always be free and reserves the right, at its sole discretion, to change the pricing at any time.
 Acceptance These Terms regulate the legal relationship between you and the Provider. You may not use Buddy if you do not accept them. The Terms are made available to you prior to the download of Buddy application inside the App Store or Google Play. By downloading, installing, using or otherwise accessing Buddy, you are expressing your acceptance and willingness to be bound by the Terms. You may not accept these Terms unless you are at least 13 years of age and you have sufficient legal capacity to enter into a contract. If you are 13 or older but less than 18 years of age, you must have your parent or legal guardian’s permission to accept the Terms and use Buddy. You are solely responsible for all activities on your account and the content that is uploaded and/or created under your Buddy account. Buddy may at any time choose, at its sole discretion, to remove user created content from the Service and/or your user account and to terminate your account and membership. Your membership, including your email and password, with Buddy is personal and may not be transferred or used by someone else. You are responsible for storing your login details in a safe manner. Provider is not in any way responsible for any loss or damage caused by unauthorized access to your account or use of your login details. If you learn of or suspect any unauthorized use of your account, you must immediately inform Provider. Contact details are available at the bottom of this document. If you have any criticism or feedback regarding Buddy or our Services, to firstly contact Provider to help us to improve our Services.

Your account

You can at any time choose to cancel/end your account by contacting the Provider. Please note that uninstalling the mobile application or closing your account will not automatically stop your Premium subscription — you must actively cancel the subscription. Please note that if you have subscribed to Buddy through the use of App Store, Google Play Store, Amazon App Store or any other such service provider, you can only cancel your subscription through the use of their services. To find out how to cancel the subscription and/or your account, please follow the instructions in the app or contact Provider for help.

Financial responsibility

Buddy is a service that seeks to aid you in your financial choices. Provider does not take any responsibility for your finance, you are ultimately responsible for your money yourself. Based on your user content (particularly synchronized bank account data) Buddy may provide you with personalized financial advice or commercial offers (ads). You hereby acknowledge and agree that such financial advice or commercial offers do not constitute professional financial, tax, accounting or any other professional advice and Provider makes no representations or warranties of any kind related thereto. In no event shall Provider be liable for any damages caused to you or a third person arising out of your use of such financial advice or commercial offers.

Buddy Premium

This section only applies when you purchase and/or subscribe to Buddy Premium or other paid products. By paying the subscription fee you get access to Buddy Premium during the time your subscription is valid, subject to these Terms. All subscriptions with Buddy Premium are paid in advance. You may at any time terminate your membership, in which case your membership will still be valid for the subscription time you have already paid for. If you have subscribed to Buddy Premium through the use of App Store, Google Play Store, Amazon App Store or any other such service provider, using in-app purchase, you can only cancel your subscription through the use of their services. Buddy reserves the right to change the subscription fees from time to time. You hereby consent to start using the Services immediately upon subscribing with Buddy Premium or other paid products. This means that you will only have 14 days to withdraw from the contract with Buddy from the date you receive confirmation of your subscription via email if you do not start using the Services during that period. All payments handled by Apple, such as in-app purchases, can only be refunded by Apple and with Apple’s consent.
Buddy “unlimited” plan allows you to access Buddy premium features available at the time of your purchase for as long as those services are available. We make no warranties or representations as to the expected lifetime of the Buddy services, and in purchasing a unlimited plan, you acknowledge and agree that the Buddy services could change or terminate in the future.

Disclaimer and limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PROVIDER BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF USE, DATA, AND PROFITS, PROPERTY DAMAGE OR OTHER INTANGIBLE OR ECONOMIC LOSS, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE SPENDEE AND INTEGRATED THIRD-PARTY SERVICES, ESPECIALLY DUE TO REDUCTION OF AVAILABILITY, CANCELLATION OR MODIFICIATION, HACKING ATTACKS, FAILURE, MALFUNCTION OR OCCURRENCE OF OTHER ERRORS IN THE OPERATION OF SPENDEE OR INTEGRATED THIRD-PARTY SERVICES, EVEN IF PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. LIMITATION ABOVE DOES NOT INCLUDE PROVIDER'S LIABILITY FOR FRAUD, MISREPRESENTATION AND PERSONAL INJURY OR DEATH.  You use the Service at your own risk. The Service is provided “AS IS”, without any warranties, and Provider does not warrant that the Service and availability thereof will be uninterrupted or error free. Provider does not assume any responsibility for errors or omissions in the information or software or other documents, including User Material, which are referenced by or linked to. References or links to third parties' websites are provided "AS IS" without warranty of any kind, either express or implied. In no event shall Provider be liable for any indirect or consequential damages, except in cases of intentional misconduct or gross negligence. To the maximum extent permitted under applicable law, Provider’s aggregated liability for any direct damages shall be limited to the lesser of: (i) membership fees paid by the user; (ii) membership fees paid by the user during the previous calendar year; or (iii) 5 000 SEK.

Governing law and dispute resolution

These Terms and the use of the Services are governed by the laws of Sweden, except for its conflicts of laws principles. All claims arising out of or relating to these Terms or the Service shall be resolved by the public Swedish courts, whereby the District Court of Stockholm shall be the court of first instance.

Contact details

Company name: 
Nattkod AB

Corporate Identity Number: 
Address: Vidargatan 5
11327 Stockholm, Sweden