Privacy Policy

Last updated: January 2025

Finone AI is committed to protecting and respecting your privacy. This Privacy Policy describes in detail how we collect, process, store, use, and protect your personal information when you use our mobile application and related services. By using Finone AI, you consent to the practices described in this policy.

1. Information We Collect

Personal Information: When you register an account, we collect your full name, email address, phone number, date of birth, and country of residence. This information is required to create and verify your account and deliver personalized services.

Financial Data: With your explicit and informed consent, we collect and process transaction records, income and expense data, debt and credit information, asset details, account balances, and spending categories. This data is essential for providing AI-powered analytics, reports, and the Legacy Protection feature.

Device Information: We automatically collect device type, model, operating system version, unique device identifiers, IP address, language settings, and crash/diagnostic data. This helps us optimize performance, diagnose technical issues, and ensure compatibility.

Usage Data: We collect information about how you interact with the App — including features used, session duration, navigation patterns, and preferences. This data is anonymized and used exclusively to improve the user experience.

2. How We Use Your Information

• To provide, operate, and maintain our AI-powered personal finance services including analytics, budgeting, debt tracking, and asset management
• To personalize your experience and deliver relevant financial insights, reports, and recommendations tailored to your financial profile
• To power the Legacy Protection feature — securely storing your financial data and delivering it to your designated trusted contacts in emergency situations
• To continuously improve and optimize the App based on aggregated and anonymized usage data
• To send important updates, security alerts, and notifications related to your account and financial activity
• To detect, investigate, and prevent fraud, unauthorized access, and other security threats
• To comply with applicable legal and regulatory obligations

3. Data Sharing

We do not sell, rent, or trade your personal information to any third party under any circumstances. We may share data only in the following strictly limited cases:

• Service Providers: Trusted and vetted technology partners who assist in operating the App (cloud hosting, data processing, analytics) — all bound by strict confidentiality agreements and data protection standards
• Legal Obligations: When required by law, court order, regulatory authority, or to protect our legal rights, user safety, or public interest
• Legacy Protection: When the Legacy Protection feature is activated, your designated financial data is shared exclusively with the trusted contacts you have pre-selected
• With Your Consent: In any other case, only when you have given explicit and informed authorization

4. Data Security

Your data security is our top priority. We implement AES-256 bit encryption for all data in transit and at rest, operate on SOC 2 Type II certified infrastructure, conduct regular security audits and penetration testing, and enforce strict role-based access controls. For complete details, see our Security page.

5. Data Retention

We retain your personal data only for as long as necessary to provide our services, fulfill the purposes described in this policy, or as required by applicable laws. When you delete your account, all associated personal data is permanently removed from our systems within 30 days, except where retention is legally required. You may request data deletion at any time through the App settings or by contacting us — see our Account Deletion page for step-by-step instructions.

6. Your Rights

Regardless of your location, we respect and support the following data protection rights:

• Access and review all personal data we hold about you
• Correct or update any inaccurate or incomplete information
• Request permanent deletion of your data from our systems
• Export your complete data in a portable, machine-readable format
• Opt out of marketing communications and promotional notifications at any time
• Withdraw your consent for data processing at any time without affecting previous processing

7. Age Policy

Finone AI is available to users of all ages. For users under 16 years of age, we recommend parental or guardian supervision. We take additional care to ensure that any data collected from younger users is handled with heightened security and privacy protections in accordance with applicable child protection regulations.

8. International Data Transfers

Your data may be transferred to and processed on servers located in countries other than your country of residence. In all cases, we ensure appropriate safeguards are in place — including standard contractual clauses and encryption protocols — in full compliance with applicable international data protection laws including GDPR.

9. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. Any material changes will be communicated to you through in-app notifications and/or email at least 14 days before taking effect. Continued use of the App after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact our data protection team at finonecompany@gmail.com. We are committed to responding to all inquiries within 7 business days.