Privacy Policy

1. Introduction

Finance AI (“we,” “our,” “the Company”) operates a personal finance dashboard that uses artificial intelligence to help users understand their spending, track net worth, and manage their financial lives. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

2. Information We Collect

2.1 Information You Provide

• Account data: name, email address, and password (stored as a secure hash)
• Financial data you enter manually: stock holdings, mortgage details, and family member information
• AI training inputs: category confirmations or corrections you make to improve categorization accuracy

2.2 Information Collected Automatically

• Financial data via Plaid: account balances, transaction history, and account metadata when you connect a bank account
• Usage analytics: anonymized page views and feature usage collected through Vercel Analytics
• Device information: browser type and operating system, used solely for rendering and compatibility

2.3 Information From Third Parties

If you sign in with Google, we receive your name, email, and profile picture from Google’s OAuth service. Payment information is collected and processed exclusively by Stripe; we never see or store your full card number.

3. How We Use Your Information

• Display your financial accounts, transactions, and AI-generated insights
• Categorize transactions using AI models trained on your feedback
• Provide AI-powered answers to questions about your finances
• Process subscription payments through Stripe
• Send essential communications (payment confirmations, security alerts)
• Improve product quality through anonymized usage analysis

We do not sell, rent, or share your personal or financial data with third parties for advertising or marketing purposes.

4. AI and Your Data

Our AI features process your transaction descriptions to assign categories and answer your financial questions. When interacting with third-party AI providers (such as OpenAI), we send only transaction descriptions and amounts — never your name, email, account numbers, or other personally identifiable information. AI providers are contractually prohibited from using your data to train their models.

The AI also performs web searches to identify obscure merchant names. These searches contain only the merchant description, not your personal information.

5. Data Sharing

We share data only with the service providers necessary to operate Finance AI:

• Plaid — bank account linking and financial data retrieval
• Stripe — subscription billing and payment processing
• Neon — managed PostgreSQL database hosting
• Vercel — application hosting and anonymized analytics
• OpenAI — AI-powered insights (anonymized transaction data only)

We may also disclose information if required by law, court order, or governmental regulation, or to protect the rights, property, or safety of Finance AI, our users, or others.

6. Data Security

We implement industry-standard security measures including encryption in transit (TLS 1.2+), encryption at rest (AES-256), application-layer encryption for sensitive tokens (such as Plaid access tokens), and strict access controls. For full details, see our Information Security Policy.

7. Data Retention

We retain your data for as long as your account remains active. When you delete your account, all personal and financial data is permanently removed from our systems within 30 days, except where retention is required by applicable law. For more details, see our Data Retention Policy.

8. Cookies and Tracking

Finance AI uses only essential cookies required for authentication and session management. We do not use advertising cookies, tracking pixels, or third-party marketing trackers. Vercel Analytics collects anonymized, cookie-free usage data.

9. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Correct inaccurate or incomplete data
• Delete your account and all associated data
• Export your data in a portable format
• Disconnect linked bank accounts at any time
• Withdraw consent by deleting your account

To exercise any of these rights, contact us at the address below.

10. Children’s Privacy

Finance AI is not intended for users under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal data, we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you via email or an in-app notice before the changes take effect. Continued use of the service after notification constitutes acceptance of the updated policy.