Privacy Policy

Last updated: November 14, 2026

This policy explains what information the Nubu app ("Nubu", "we", "us") collects, why, and what choices you have. Nubu is operated by Teder Harmony Ltd., the data controller for the information described here.

The short version

• Nubu never asks for your bank login and does not connect to your bank accounts.
• You type in the numbers yourself. We store them so we can show your timeline.
• We do not sell your data, show ads, or track you across other apps or websites.
• You can export your data and delete your account at any time inside the app.

Information we collect

• Account information: your email address and a password (stored only in hashed form), or, if you sign in with Apple or Google, the account identifier and email address those services share with us.
• Financial information you enter: loans, mortgages, recurring expenses, savings, investments, income, goals and your preferences (such as currency, inflation and projection length). This is information you choose to type in; we do not verify it with any bank or institution.
• Subscription status: if you subscribe, Apple processes the payment. We receive the subscription status, product, purchase and expiry dates, and transaction identifiers. We never receive your card details.
• Feedback: messages you choose to send us from inside the app.

Nubu does not use advertising identifiers, third-party analytics, or cross-app tracking.

How we use information

• To create and secure your account and keep you signed in.
• To calculate your projections, debt-free date, goals and insights.
• To provide and manage Premium subscriptions.
• To respond to your feedback and support requests.
• To meet legal, tax and accounting obligations.

Service providers

We use a small number of providers that process data on our behalf, under contract, and only to run Nubu:

• Convex: database and authentication hosting (data stored in the United States).
• RevenueCat: subscription management. It receives an internal account identifier and your subscription status, not your financial entries.
• Apple: App Store payments, and Sign in with Apple if you use it.
• Google: only if you choose Sign in with Google.

We may also disclose information if required by law, or as part of a merger or acquisition, in which case this policy will continue to apply.

Data retention

We keep your information while your account is active. When you delete your account, we delete your account and the financial information you entered from our systems. Apple and our payment providers may keep their own transaction records as required by law.

Your choices and rights

• Export: Settings → Data → Generate JSON Backup.
• Correct: edit any item directly in the app.
• Delete: Settings → Manage Account → Delete account. This permanently deletes your account and data.

Depending on where you live, including under the EU and UK GDPR, the California Consumer Privacy Act and Israel's Protection of Privacy Law, you may have additional rights, such as the right to access, correct, delete or port your data and to object to certain processing. To make a request, contact us at the address below. We do not sell or share personal information for cross-context behavioral advertising. You may also complain to your local data protection authority.

Security

Data is encrypted in transit (HTTPS/TLS). Sign-in tokens are stored in your device's secure storage. No system is perfectly secure, but we limit access to your data to what is needed to run the service.

International transfers

Teder Harmony Ltd. is based in Israel and our providers store data in the United States. Where required, we rely on appropriate safeguards for these transfers.

Children

Nubu is intended for adults aged 18 and over. We do not knowingly collect information from children.

Not financial advice

Nubu shows estimates based on the numbers and assumptions you enter. It is a planning tool and does not provide financial, tax, legal or investment advice.

Changes

If we make significant changes to this policy, we will update the date above and let you know in the app.

Contact

Teder Harmony Ltd.
Email: privacy@teder.ai