Privacy Policy

1. Introduction

Finly is a personal finance app that helps you track your expenses, credit cards, loans, investments, budgets, and goals in one place, with an AI assistant that lets you add transactions and ask questions in plain language. To provide these features, we process certain personal and financial information that you choose to enter.

Importantly, the financial information in Finly is information you enter yourself. Finly does not connect to your bank, and we never ask for your online banking login, account numbers, or card details. We hold no access to your actual money.

2. Information We Collect

a. Account information

When you create an account, we collect your name, email address, and (if available) your profile photo. You can sign in using your email and a password, or with Google or Apple Sign-In:

• If you sign in with email and password, your password is stored in a securely hashed form by our authentication provider and is never visible to us in plain text.
• If you sign in with Google or Apple, we receive your basic profile details (name, email, photo) from that provider. We never receive your Google or Apple password.

b. Financial information you enter

To give you a complete picture of your finances, you may enter and we store:

• Transactions you record (amounts, dates, categories, notes, and merchant names)
• Accounts and balances you choose to track, including credit cards and loans you add manually
• Investment holdings and portfolio details you enter
• Budgets, savings goals, and recurring items you set up

This information is entered by you. We do not import it from your bank or any financial institution.

c. AI assistant content

When you use the AI assistant — for example, to add a transaction by typing “I spent ₹450 on groceries” or to ask a question about your spending — we process the messages you send and the relevant parts of your financial data needed to answer you. See Section 5 for more detail.

d. Device and diagnostic information

To keep the App reliable and secure, we automatically collect a limited amount of technical information:

• Device type, operating system, and app version
• Crash reports and diagnostic logs (via Google Firebase Crashlytics) to help us find and fix bugs
• A push notification token (via Firebase Cloud Messaging) if you enable notifications, so we can send you alerts and reminders

3. What We Do Not Collect

To be clear about our limits:

• We do not connect to your bank or ask for your online banking credentials.
• We do not collect or store your full credit or debit card numbers, CVV, or PINs.
• We do not sell your personal or financial information to anyone, for any purpose.
• We do not use your financial data to build advertising profiles or to train AI models.

4. How We Use Your Information

We use the information we collect to:

• Provide and operate the App — storing your transactions, tracking budgets, and generating insights and reports
• Power AI features such as natural-language transaction entry, categorization, and answering questions about your finances
• Send you account, transaction, and budget notifications you have enabled
• Maintain security, prevent fraud and abuse, and diagnose and fix technical problems
• Process subscription payments and manage your plan (see Section 6)
• Comply with applicable law and enforce our Terms

We process this information because it is necessary to provide the service you have asked for, to pursue our legitimate interest in keeping the App secure and improving it, and to comply with our legal obligations.

5. AI Features and AI Providers

Finly's AI assistant is powered by large language models provided by third-party AI companies, including Anthropic, OpenAI, Google, and DeepSeek. When you interact with the assistant, the content of your message and the relevant financial details needed to respond are sent to one of these providers to generate a response.

These providers process your data only to return a response to your request. Under our agreements with them, they do not use the content you submit through Finly to train their models. We also do not use your personal financial data to train any AI models of our own.

AI-generated insights and suggestions are provided for your convenience and may not always be accurate. They are not financial, tax, or investment advice.

6. How We Share Information

We do not sell your information. We share it only with the service providers (“sub-processors”) that help us run the App, and only to the extent needed for them to perform their function:

These providers are bound by contract to protect your data and use it only to provide their services to us. We may also disclose information if required by law, court order, or a valid request from a government authority, or to protect the rights, safety, and security of Finly and its users. If Finly is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to this Policy.

Subscription payments are processed by the app store you purchase through (Google Play or the Apple App Store). We do not receive or store your payment card details.

7. Data Retention and Deletion

We keep your information only for as long as your account is active and we need it to provide the App to you.

When you delete your data or your account, it is deleted permanently. Deleted transactions, accounts, and other records are removed from our systems and cannot be recovered or restored. We do not keep shadow copies or archives of deleted data for our own use. Limited records may persist only where the law requires us to retain them, or briefly in routine backups before those backups cycle out.

You can delete individual items at any time within the App, or delete your entire account from the app settings. If you need help, contact us at support@finlyai.app.

8. How We Protect Your Information

We take reasonable technical and organizational measures to protect your information, including:

• Encryption of data in transit using TLS, and encryption of stored data at rest by our hosting provider
• Authentication tokens stored in your device's secure storage, with optional biometric (fingerprint/face) lock for the App
• Access controls that limit who can access production systems and user data

No method of transmission or storage is completely secure, and we cannot guarantee absolute security. You also play an important role — keep your password confidential and your device protected.

9. Your Rights and Choices

Depending on where you live, including under India's Digital Personal Data Protection Act, 2023, you may have the right to:

• Access the personal data we hold about you
• Correct information that is inaccurate or incomplete
• Delete your data and your account
• Export your data in a portable format
• Withdraw consent or object to certain processing
• Opt out of non-essential notifications at any time

You can exercise most of these directly in the App. For anything else, email us at support@finlyai.app and we will respond within the time required by applicable law. If you are not satisfied with our response, you may have the right to complain to the Data Protection Board of India or your local data protection authority.

10. International Data Transfers

Some of our service providers store and process data on servers located outside India. Where your information is transferred across borders, we rely on providers that offer appropriate safeguards and we take steps to ensure your data continues to be protected in line with this Policy and applicable law.

11. Children's Privacy

Finly is intended for users who are at least 18 years old. We do not knowingly collect personal data from anyone under 18. If you believe a person under 18 has provided us with personal data, please contact us at support@finlyai.app and we will delete it.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we make material changes, we will update the “Last updated” date above and, where appropriate, notify you in the App. Your continued use of Finly after an update means you accept the revised Policy.

13. How to Contact Us

If you have any questions, concerns, or requests about this Policy or your data, please contact us: