Privacy Policy

Effective Date: February 26th, 2026

1. Introduction

Finnance (“Finn,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access or use our website, mobile applications, financial tools, dashboards, budgeting features, and related services (collectively, the “Services”).

By accessing or using our Services, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

We collect information you provide directly to us, information we collect automatically when you use our Services, and information from third parties.

Information You Provide

We collect information you provide to us. For example, we collect information from you when you:

Create or register a Finn account

Connect financial accounts or link third-party financial institutions
Fill out forms or otherwise submit content through our Services
Set up budgets, financial goals, or dashboards
Apply for, inquire about, or evaluate financial products
Make a purchase or subscribe to paid features
Communicate with us via email, chat, SMS, or third-party platforms
Participate in a contest, promotion, survey, or referral program
Request customer support or information about our Services
Use the chat or AI assistant functionality within our Services
Upload documents or financial records
Otherwise communicate or interact with us

B. Information We Collect Automatically

When you use the Services, we may automatically collect

IP address

Device identifiers
Browser type and version
Operating system
Referring URLs
Pages viewed and time spent
App usage data
Log files
Approximate geolocation derived from IP address
Cookies and similar tracking technologies

C. Information We Collect From Other Sources

We may obtain information about you from third-party sources in certain circumstances. For example we may collect information from:

Identity verification and fraud prevention providers

Credit bureaus (including information from your credit report, where authorized)
Financial institutions and account servicing companies
Payment processors
Analytics providers
Advertising networks and marketing partners
Mailing list providers
Data aggregation providers
Service providers and data partners
Publicly available sources

Financial Account Integration

Finn may allow or require you to integrate or connect your Finn account with third-party financial services through trusted service providers, including Plaid Inc. (“Plaid”) and similar financial data aggregators.

When you choose to connect your bank, credit card, loan, or investment accounts through Plaid or another integration partner:

Identity verification and fraud prevention providers

Credit bureaus (including information from your credit report, where authorized)
Financial institutions and account servicing companies
Payment processors
Analytics providers
Advertising networks and marketing partners
Mailing list providers
Data aggregation providers
Service providers and data partners
Publicly available sources

You authorize Finn and the third-party provider to access and transmit your financial account information.

Certain information may be imported directly into Finn rather than you having to upload it manually.
The third-party provider’s collection and processing of your information is governed by their own privacy policy and terms of service.

Through these integrations, we may receive information such as:

Financial account identifiers and account owner information
Account balances
Transaction histories
Credit account information
Loan account information
Mortgage information
Investment account holdings and performance data
Payment history
Income and payroll-related data (where available)
Employment-related information
Account metadata and categorization information

The information we receive depends on the accounts you connect, the permissions you grant, and the data made available by the third-party provider.

We use this information to:

Provide budgeting tools and dashboards
Categorize transactions
Generate financial insights and projections
Help you evaluate financial products
Improve the functionality and accuracy of our Services
Detect fraud and maintain security

You may disconnect a linked financial account at any time through your Finn account settings, though previously collected data may be retained in accordance with this Privacy Policy and applicable law.

3. How We Use Your Information

We use your information to:

Provide, operate, and improve Finn’s Services
Create and manage your account
Connect and display financial account data
Provide budgeting insights, projections, and analytics
Recommend financial tools or services
Process transactions and subscriptions
Communicate service updates and support responses
Personalize content and user experience
Conduct research and product development
Detect, prevent, and investigate fraud or security incidents
Comply with legal and regulatory obligations
Enforce our Terms of Service

We may also create aggregated or de-identified information that cannot reasonably be used to identify you.

4. How We Share Information

We may share your information:

With Service Providers

With vendors who help us operate Finn (e.g., hosting providers, analytics providers, identity verification services, payment processors).

With Financial Data Partners

When you direct us to connect accounts or interact with financial institutions.

For Legal Reasons

To comply with law, legal process, regulatory obligations, or to protect rights, safety, and property.

Business Transfers

In connection with a merger, acquisition, restructuring, financing, or sale of assets.

With Your Consent

When you explicitly authorize us to share information.

We do not sell your personal financial information.

5. Cookies & Tracking Technologies

We use cookies, pixels, SDKs, and similar technologies to:

Authenticate users
Remember preferences
Analyze usage patterns
Improve performance
Deliver relevant content

You can manage cookies through your browser settings, though some features may not function properly without them.

6. Data Security

We implement administrative, technical, and physical safeguards designed to protect your information, including:

Encryption in transit
Secure authentication practices
Access controls
Monitoring for suspicious activity

However, no system can guarantee absolute security.

7. Data Retention

We retain your data for the duration of your active account. Transaction data associated with disconnected institutions is retained for historical visibility but is no longer synced. Soft-deleted transactions are permanently purged after 90 days. Webhook logs are retained for 1 year for debugging purposes.

7. Data Retention

You may request complete deletion of your account and all associated data at any time. Upon receiving a deletion request, we will: revoke all Plaid access tokens and disconnect your financial institutions, permanently delete all stored transactions, account data, balances, messages, and profile information, and remove your authentication credentials. Deletion requests are processed within 30 days.

You may also disconnect individual financial institutions from within the app, which revokes our access to that institution and stops all data syncing.