Legal
Privacy policy
Annum privacy policy. Effective 26 October 2026.
1. Who we are
Annum (“we”, “us”) is run by Ugbah Ventures Ltd, a company registered in England and Wales (company number 16796778), at 71–75 Shelton Street, Covent Garden, London, WC2H 9JQ. We are the controller of your personal data and are registered with the Information Commissioner’s Office (ICO) under number ZC258197. You can contact us about this privacy policy at admin@ugbahventuresltd.com.
2. What we collect
| Type | Examples | Where it comes from |
|---|---|---|
| Account details | Email address and login records (Annum has no passwords: you sign in with a one-time code) | You |
| Budget data | Income, bills, budgets, payments, debts, savings goals, account balances, notes, and business income and expenses if you use the business budget | You |
| Bank statements | Transaction dates, descriptions and amounts from files you upload | You |
| Credit report data | Lenders, balances, limits, payment status, score from reports you upload | You |
| Spreadsheet imports | Budget figures from spreadsheets you upload | You |
| Usage and device data | Device type, app version and crash reports, only if you have chosen to share analytics with app developers in your iPhone settings | Apple |
When you upload a credit report, we keep only the account details Annum needs. We do not keep your address history, date of birth or full account numbers from it.
3. Why we use it, and our lawful basis
| Purpose | Our lawful basis (UK GDPR) |
|---|---|
| Running your account and showing your budgets, forecasts and alerts | Contract (Article 6(1)(b))We need to process this information to deliver the services promised in our agreement with you. |
| Sending reminders and notifications you have switched on | Contract (Article 6(1)(b))Necessary to fulfil the tailored notification features requested as part of your service. |
| Keeping Annum secure and preventing fraud or misuse | Legitimate interests (Article 6(1)(f))Necessary for our legitimate interest in safeguarding the system, platform and users from misuse. |
| Fixing bugs and improving features, using de-identified usage data where possible | Legitimate interests (Article 6(1)(f))Necessary for our legitimate interest in maintaining and continually improving our application. |
| Product news and offers by email | Consent (Article 6(1)(a))We only send these if you explicitly opt in. You can opt out at any time using the unsubscribe link in our emails, or by emailing us. |
We do not sell your data, use it for advertising, or share it with lenders or credit companies. Uploading your Checkmyfile credit report will not affect your credit score positively or negatively.
Annum does not make automated decisions about you that have legal or similarly significant effects.
4. Who we share it with
We use trusted service providers who process data only on our instructions and under contract:
- Supabase (data stored in London, UK) to store your account and budget data and to run sign-in, and Resend to deliver sign-in emails
- Google (Gmail) to receive and reply to emails you send us
- Netlify to host our website and collect waiting list and beta sign-up forms
- Apple to receive crash reports if you’ve chosen to share analytics with app developers in your iPhone settings. Annum doesn’t use any other analytics or tracking tools.
If you share your Household with someone, the person you invite sees your name, the names of the bills you tick as shared and who pays what. They cannot see anything else in your budget, and you can stop sharing at any time.
We may also disclose your data to comply with UK law if required, or to protect our rights, users or the public.
5. Where it is stored
Your data is stored in the UK (London). If a provider processes data outside the UK, we make sure it is protected by UK-approved safeguards, such as an adequacy decision or the ICO’s international data transfer agreement.
6. How long we keep it
- Your budget and account data: while your account is open. When you delete your account, we delete it within 30 days, and from backups within 90 days.
- Uploaded statements and credit reports: the figures taken from them are kept with your budget data. The original files are deleted once they have been read. When you delete your account, we delete it within 30 days, and from backups within 90 days.
- Accounts with no activity for 24 months: we email you first, then delete the account if you don’t reply within 30 days.
7. How we keep it secure
Data is encrypted in transit and at rest. You sign in with a one-time code sent to your email, and you can lock the app with Face ID or Touch ID. Access by our staff is limited and only when necessary to provide technical support or operate the service. We test our platform regularly to maintain the ongoing security, integrity and resilience.
8. Your rights
Under UK data protection law you can ask to:
- access a copy of your data, or download it yourself in the app
- correct anything that is wrong
- delete your account and data, which you can do in the app at Settings › Delete account
- restrict or object to how we use it
- receive your data in a format you can take elsewhere
- withdraw consent where we rely on it
Email admin@ugbahventuresltd.com and we will reply within 7 days. If you are unhappy with how we handle your data, you can complain to the ICO at ico.org.uk or on 0303 123 1113.
9. Children
Annum is for people aged 18 and over. We do not knowingly collect or solicit personal data from children or anyone under the age of 18. If you believe a child has provided us with personal data, please contact us at admin@ugbahventuresltd.com.
10. Changes to this policy
If we make significant changes, we will tell you in the app or by email before they take effect.