PRIVACY POLICY

Last Updated: 03-06-2026

This Privacy Policy describes how Ayutech Limited ("Company," "we," "our," or "us") collects, uses, stores, protects, and shares information when you use SpendWise (the "App"), related services, websites, and features (collectively, the "Services").

By downloading, accessing, or using the App, you acknowledge that you have read and understood this Privacy Policy.

1. COMPANY INFORMATION

Company Name: Ayutech Limited

Website: Ayutech Limited

For privacy-related questions, requests, or complaints, please contact us using the information above.

2. INFORMATION WE COLLECT

Depending on the functionality of the App, we may collect the following categories of information:

Information You Provide

We may collect information that you voluntarily provide, including:

• Name

• Email address

• Username or account credentials

• Customer support communications

• User-generated content

• Any information you choose to submit through the App

Automatically Collected Information

When you use the App, we may automatically collect:

• Device type and model

• Operating system version

• App version

• Language preferences

• IP address

• Mobile carrier information

• Device identifiers

• Advertising identifiers

• Crash reports

• Performance and diagnostic information

• Usage analytics and interaction data

Location Information

Where enabled by the App and permitted by your device settings, we may collect:

• Precise location

• Approximate location

Location collection occurs only when necessary for App functionality and where legally required, with your consent.

Permissions

The App may request device permissions including, but not limited to:

• Camera

• Photos and media

• Microphone

• Storage

• Contacts

• Notifications

• Location

• Bluetooth

Permissions are requested only when reasonably necessary for App functionality.

3. HOW WE USE INFORMATION

We may use information for legitimate business purposes, including:

• Providing App functionality

• Creating and managing accounts

• Delivering requested services

• Improving App performance

• Personalising user experience

• Customer support

• Security monitoring and fraud prevention

• Debugging and troubleshooting

• Compliance with legal obligations

• Analytics and business operations

• Sending service-related communications

Where legally required, we will obtain your consent before processing personal information.

4. LEGAL BASIS FOR PROCESSING

Where applicable under GDPR, UK GDPR, or similar laws, we process personal information on the basis of:

• User consent

• Performance of a contract

• Compliance with legal obligations

• Legitimate business interests

• Protection of vital interests

• Public interest where applicable

5. THIRD-PARTY SERVICES

The App may use third-party service providers, including but not limited to:

• Cloud hosting providers

• Analytics providers

• Crash reporting services

• Authentication providers

• Payment processors

• Advertising networks

• Customer support platforms

These third parties may receive information necessary to perform services on our behalf.

We do not control the privacy practices of independent third parties and encourage users to review their respective privacy policies.

6. DATA SHARING

We may share information in the following circumstances:

Service Providers

With vendors and contractors who provide services necessary to operate the App.

Legal Requirements

Where required by law, regulation, court order, or governmental request.

Protection of Rights

To investigate, prevent, or address:

• Fraud

• Security incidents

• Illegal activity

• Violations of our Terms of Service

• Threats to users or the public

Business Transactions

In connection with:

• Merger

• Acquisition

• Asset sale

• Financing

• Bankruptcy

• Corporate restructuring

Consent

Where you expressly authorise sharing.

We do not sell personal information unless explicitly disclosed and permitted by applicable law.

7. ADVERTISING

If advertising is enabled within the App, advertising partners may collect certain information such as:

• Advertising identifiers

• Device information

• Usage information

This information may be used to deliver advertisements, measure advertising effectiveness, and prevent fraud.

Users may limit advertising personalisation through device settings where available.

8. DATA RETENTION

We retain information only for as long as reasonably necessary to:

• Provide Services

• Fulfil legal obligations

• Resolve disputes

• Enforce agreements

• Maintain security and business records

Retention periods may vary depending on the nature of the information and applicable legal requirements.

When information is no longer needed, it will be deleted, anonymised, or securely destroyed where reasonably practicable.

9. ACCOUNT DELETION

Where the App provides user accounts, users may request deletion of their account and associated personal information by:

• Contacting us at via our website Ayutech Limited; or

Certain information may be retained where required by law, security obligations, fraud prevention requirements, dispute resolution needs, or legitimate business purposes. (Google Help)

10. DATA SECURITY

We implement commercially reasonable administrative, technical, and organisational safeguards designed to protect information against:

• Unauthorised access

• Alteration

• Disclosure

• Destruction

• Loss

However, no method of transmission, storage, or electronic security is completely secure. We cannot guarantee absolute security.

Users are responsible for maintaining the confidentiality of their account credentials.

11. INTERNATIONAL DATA TRANSFERS

Information may be processed and stored in countries outside your jurisdiction.

By using the App, you acknowledge that information may be transferred to countries with data protection laws different from those in your country of residence.

Where legally required, we implement appropriate safeguards for international transfers.

12. CHILDREN'S PRIVACY

The App is not directed toward children under the age of 13 (or the minimum age required by local law).

We do not knowingly collect personal information from children without appropriate consent.

If we become aware that we have collected personal information from a child in violation of applicable law, we will take reasonable steps to delete such information.

13. YOUR PRIVACY RIGHTS

Depending on your jurisdiction, you may have rights to:

• Access personal information

• Correct inaccurate information

• Delete personal information

• Restrict processing

• Object to processing

• Withdraw consent

• Data portability

• Lodge complaints with supervisory authorities

To exercise applicable rights, contact us using the details provided above.

We may request verification of identity before responding to requests.

14. DISCLAIMERS AND LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law:

• The Company makes no warranty regarding uninterrupted or error-free operation of the App.

• The Company shall not be liable for unauthorised access, data loss, or security incidents beyond its reasonable control.

• Users acknowledge that internet transmissions and electronic storage systems cannot be guaranteed to be completely secure.

• Nothing in this Privacy Policy creates contractual obligations beyond those required by applicable law.

15. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy at any time.

Updated versions will be posted at:

[Will be updated when available]

Continued use of the App following publication of changes constitutes acceptance of the revised Privacy Policy where permitted by law.

16. CONTACT US

For privacy-related inquiries:

Ayutech Limited