Privacy | Finqo

1. Information We Collect

We collect the following types of information:

Account information: your name, email address, and authentication details provided when you create an account.
Financial data: transactions, expenses, revenue, receipts, and connected account information you voluntarily input or import.
Usage data: how you interact with the Service, including features used and device/browser information.
Payment data: subscription and billing status — actual payment details are processed securely by our payment provider and are never stored by Finqo.

2. How We Use Your Information

We use your information to:

Provide, maintain, and improve the Service and its features.
Process transactions and manage your subscription.
Generate AI-powered insights, categorizations, and reports based on your financial data.
Communicate with you about your account, updates, and support requests.
Detect, prevent, and address fraud, abuse, and technical issues.

3. AI and Data Processing

Finqo uses AI models to categorize transactions, scan receipts, and generate financial insights. Your financial data is processed by these models to provide these features. We do not sell your financial data to third parties.

4. Data Sharing

We share your data only with service providers who help us operate the Service — such as our payment processor, cloud hosting, and AI model providers — under agreements that require them to protect your information. We may disclose data when required by law or to protect our legal rights.

5. Data Security

We use industry-standard security measures including encryption in transit and at rest, secure authentication, and access controls to protect your data. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your financial data for as long as your account is active. When you delete your account, we will remove your personal data within 30 days, except where retention is required by law for accounting or tax purposes.

7. Your Rights

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

Access the personal data we hold about you.
Correct inaccurate or incomplete data.
Request deletion of your personal data.
Export your data in a portable format.
Withdraw consent for data processing where applicable.

To exercise these rights, contact us through your account settings.

8. Third-Party Services

The Service may integrate with third-party platforms (such as e-commerce stores for import features). These services have their own privacy policies, and we are not responsible for how they handle your data once you connect to them.

9. Cookies

We use essential cookies and similar technologies to maintain your session, authenticate you, and remember your preferences. We do not use cookies for targeted advertising.

10. Children's Privacy

The Service is intended for business use and is not directed to individuals under 18. We do not knowingly collect data from minors. If you believe we have collected data from a minor, please contact us.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify users of significant changes via email or in-app notification. The "Last updated" date at the top reflects the most recent revision.

12. Contact

Questions about this Privacy Policy? Contact us through the support option in your account settings.