Privacy Policy  
This privacy policy applies to the Expence app for mobile devices, together  
with any related services operated by Akbina (collectively, the "Application").  
Akbina is hereby referred to as the "Service Provider".  
Information Collection and Use  
The Application collects information when you download and use it. This  
information may include information such as  
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Your device's Internet Protocol address  
The pages of the Application that you visit, the time and date of your  
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visit, the time spent on those pages  
The time spent on the Application  
your mobile operating system you use  
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Cookies and tracking technologies  
The Application or its third-party SDKs may use cookies, SDKs, pixels, and  
similar technologies to support functionality, analytics, or service delivery.  
Where required by applicable law, the Service Provider will obtain consent  
before using non-essential tracking technologies.  
Your Rights  
You may request access to, correction of, or deletion of your personal data held  
by the Service Provider. To exercise these rights, or to withdraw consent where  
processing is based on consent, contact the Service Provider at  
Post@etilbud.no.  
Your California privacy rights (CCPA/CPRA)  
If you are a California resident, you have the right to know what personal  
information is collected, the right to delete personal information, the right to  
opt out of the sale or sharing of personal information, and the right to non-  
discrimination for exercising these rights. To exercise your CCPA/CPRA rights,  
contact the Service Provider at Post@etilbud.no.  
The Service Provider may use the information you provide to send important  
information, required notices, and, where permitted by law, marketing  
communications.  
For a better experience while using the Application, the Service Provider may  
require you to provide certain personally identifiable information, including but  
not limited to Post@etilbud.no. The information the Service Provider requests  
will be retained and used as described in this privacy policy.  
Third Party Access  
Only aggregated, anonymized data is periodically transmitted to external  
services to aid the Service Provider in improving the Application and their  
service. The Service Provider may share your information with third parties in  
the ways that are described in this privacy statement.  
International Data Transfers  
The Service Provider or its third-party service providers may transfer personal  
data to countries outside your country of residence, including outside the  
European Economic Area (EEA). Where applicable law requires safeguards for  
international transfers, the Service Provider will use appropriate mechanisms.  
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Standard Contractual Clauses (SCCs) approved by the European  
Commission  
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Adequacy decisions or other legally recognized transfer mechanisms  
Your consent, where required and legally permitted  
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Data protection laws in other countries may differ from those in your  
jurisdiction. Where required by law, the Service Provider will apply appropriate  
safeguards and obtain any consent required for the transfer.  
Please note that the Application utilizes third-party services that have their own  
Privacy Policy about handling data. Below are the links to the Privacy Policy of  
the third-party service providers used by the Application:  
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Google Analytics for Firebase  
Firebase Crashlytics  
RevenueCat  
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The Service Provider may disclose User Provided and Automatically Collected  
Information:  
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as required by law, such as to comply with a subpoena, or similar legal  
process;  
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when they believe in good faith that disclosure is necessary to protect  
their rights, protect your safety or the safety of others, investigate  
fraud, or respond to a government request;  
with their trusted services providers who work on their behalf, do not  
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have an independent use of the information the Service Provider  
discloses to them, and have agreed to adhere to the rules set forth in  
this privacy statement.  
Opt-Out Rights  
You can stop further collection of information from your mobile device by  
uninstalling the Application. Uninstalling will stop the Application from  
collecting data from your device, but it does not automatically delete  
information that has already been transmitted to the Service Provider or to third  
parties.  
To request deletion of your personal data, to withdraw consent, or to exercise  
any of your rights, contact the Service Provider at Post@etilbud.no.  
Data Retention Policy  
The Service Provider retains personal data based on its necessity for the stated  
purposes:  
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User Provided Data: Retained for the duration of your use of the  
Application plus 12 months thereafter, unless longer retention is  
required by law  
Automatically Collected Data: Retained for up to 24 months from  
collection, unless longer retention is required for legal compliance  
Aggregated and Anonymized Data: Retained indefinitely as it no longer  
identifies you  
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●
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Data required for legal compliance: Retained as long as required by  
applicable law  
You may request deletion of your personal data, subject to any legal obligation  
to retain it. If you want the Service Provider to delete User Provided Data  
submitted through the Application, please contact them at Post@etilbud.no.  
Please note that some User Provided Data may be required for the Application  
to function properly.  
Children  
The Application is not intended for children under 16 years of age, or such  
higher age as required by applicable law. The Service Provider does not  
knowingly solicit data from children or market the Application to them.  
Where parental or guardian consent is required under applicable law, the  
Application is not intended for use without that consent. The Service Provider  
does not knowingly collect personally identifiable information from children  
under 16 years of age in violation of applicable law. In the event the Service  
Provider discovers that a child has provided personal information, the Service  
Provider will immediately delete this from their servers. If you are a parent or  
guardian and you are aware that your child has provided the Service Provider  
with personal information, please contact the Service Provider  
(Post@etilbud.no) so that they will be able to take the necessary actions.  
Security  
The Service Provider is concerned about safeguarding the confidentiality of  
your information. The Service Provider provides physical, electronic, and  
procedural safeguards to protect information the Service Provider processes  
and maintains.  
Data Breach Notification  
If a data breach occurs that affects your personal data, the Service Provider will  
notify you in accordance with applicable legal requirements, including, where  
required, providing information about the nature of the breach and the steps  
being taken to address it.  
Changes  
The Service Provider may update this Privacy Policy from time to time. The  
Service Provider will notify you of material changes by posting the updated  
Privacy Policy with an effective date. Where required by law, the Service  
Provider will seek your consent to material changes before they take effect.  
Previous versions of this Privacy Policy will be maintained and made available  
upon request by contacting the Service Provider at Post@etilbud.no.  
This privacy policy is effective as of 2026-07-20  
Your Consent  
Where processing is based on consent, you provide that consent by  
affirmatively opting in to the relevant feature or action. You may withdraw  
consent at any time without affecting processing carried out before withdrawal.  
Processing based on other lawful bases is carried out as described above.  
Contact Us  
If you have any questions regarding privacy while using the Application, or have  
questions about the practices, please contact the Service Provider via email at  
Post@etilbud.no.