Privacy Policy

1. Introduction

Finessi ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application Finessi (the "App"), available on iOS and Android platforms.

By using the App, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies, please do not use the App.

2. Information We Collect

2.1 Personal Information

When you create an account, we collect:

• Full name
• Email address
• Date of birth
• Country and timezone
• Preferred language and currency
• Profile photo (optional)

2.2 Financial Information

To provide our expense tracking services, we collect:

• Transaction amounts and dates
• Expense categories and subcategories
• Merchant/place names
• Monthly income (optional, user-provided)
• Savings goal details
• Receipt images (when using the AI scanner feature)

2.3 Usage Data

We automatically collect:

• App usage patterns and feature interactions
• Device type and operating system
• Game progress data (level, XP, streaks, quest completions)

3. How We Use Your Information

We use the collected information to:

• Provide and maintain the App's core expense tracking functionality
• Power the gamification system (XP, levels, quests, dragon evolution)
• Generate personalized analytics and spending insights
• Provide AI-powered receipt scanning and expense categorization
• Deliver AI personal assistant responses and weekly expense summaries
• Send email verification and account security notifications
• Improve and optimize the App experience

4. Data Storage and Security

We implement industry-standard security measures to protect your data:

• All passwords are hashed using bcrypt encryption
• Authentication uses secure JWT tokens with automatic refresh
• All data transmission is encrypted via HTTPS/TLS
• Database access is restricted and encrypted
• We apply HTTP security headers (Helmet) and rate limiting

Your data is stored on secure servers. While we strive to use commercially acceptable means to protect your personal data, no method of electronic storage is 100% secure.

5. Third-Party Services

We use the following third-party services:

• OpenAI — for AI receipt scanning, personal assistant, and expense analysis. Receipt images and expense data may be processed by OpenAI's API to provide these features.
• Resend — for sending email verification and password reset emails.

We do not sell, trade, or rent your personal information to third parties. We do not share your financial data with advertisers or data brokers.

6. Data Retention

We retain your personal data for as long as your account is active. If you delete your account, we will delete your personal data within 30 days, except where we are required to retain it by law.

7. Your Rights

You have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your account and associated data
• Export your transaction data (CSV/PDF export feature)
• Withdraw consent for data processing

To exercise any of these rights, contact us at contact@finessi.app.

8. Children's Privacy

The App is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we discover that a child under 13 has provided us with personal data, we will delete it promptly.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of the App after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

contact@finessi.app