Privacy Policy

Your privacy is important to us. This policy outlines how we collect, use, and protect your information.

This Privacy Policy applies to Finly AI: Smart Money Tracker (finlyai.app), a product owned and operated by Keyo Payments Private Limited, a company incorporated in India (CIN: U58202AP2025PTC118305), with registered office at 10-5-29/A, Chenchupet, Pinapad Tenali, Tenali, Guntur - 522202, Andhra Pradesh.

Last Updated: November 18, 2025

Privacy at a Glance

Bank-Level Security

Your data is encrypted with industry-standard protocols

No Selling Data

We never sell your personal information to third parties

You Control Your Data

Access, export, or delete your data anytime

Information We Collect

Account Information

When you create an account, we collect:

  • Name and email address
  • Password (encrypted and never stored in plain text)
  • Profile picture (optional)
  • Account preferences and settings

Financial Data

To provide our services, we process:

  • Transaction details (amounts, dates, categories, descriptions)
  • Credit card information (encrypted)
  • Loan details and payment schedules
  • Investment portfolio data
  • Budget and savings goals

Usage Information

We automatically collect:

  • Device information (type, operating system, unique identifiers)
  • App usage patterns and feature interactions
  • IP address and general location data
  • Crash reports and diagnostic information

How We Use Your Information

✓

Provide and maintain the Finly service, including tracking expenses, managing budgets, and generating financial insights

✓

Power our AI features to provide personalized recommendations and intelligent transaction categorization

✓

Improve and optimize our app based on usage patterns and user feedback

✓

Send important notifications about your account, transactions, and budget alerts

✓

Prevent fraud and ensure the security of your account

✓

Comply with legal obligations and enforce our terms of service

Data Security

We take the security of your financial data seriously and implement multiple layers of protection:

Encryption

All data is encrypted in transit using TLS 1.3 and at rest using AES-256 encryption

Secure Infrastructure

Our servers are hosted on secure, SOC 2 compliant cloud infrastructure with regular security audits

Access Controls

Strict access controls ensure only authorized personnel can access systems, with all access logged and monitored

Regular Monitoring

24/7 monitoring systems detect and respond to potential security threats in real-time

Data Sharing and Third Parties

We do not sell your personal information to third parties.

We may share your information only in the following limited circumstances:

  • •Service Providers: With trusted third-party service providers who help us operate our app (cloud hosting, analytics, customer support). These providers are contractually obligated to protect your data.
  • •Legal Requirements: When required by law, court order, or government regulation.
  • •Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.
  • •With Your Consent: When you explicitly authorize us to share your information.

Your Privacy Rights

You have the following rights regarding your personal information:

Access

Request a copy of all personal data we hold about you

Correction

Update or correct inaccurate information

Deletion

Request deletion of your account and associated data

Export

Download your data in a portable format

Opt-Out

Unsubscribe from marketing communications

Object

Object to certain data processing activities

To exercise any of these rights, please contact us at privacy@finly.app

Children's Privacy

Finly is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately at privacy@finly.app and we will take steps to delete such information.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically. Your continued use of Finly after changes are posted constitutes acceptance of the updated policy.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Email: privacy@finly.app

Support: support@finly.app