Privacy Policy

Last updated: June 10, 2025

1. Introduction

Thank you for choosing Finity ("Finity", "we", "our", or "us"). Finity is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our mobile application (the "App"), website, and any related services (collectively, the "Services").

Please read this policy carefully. By downloading, accessing, or using Finity, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with any part of this Privacy Policy, please do not use the App.

2. Information We Collect

We collect the following categories of information. Exact data points may vary depending on how you interact with Finity.

2.1 Information You Provide to Us

Category
Examples
Purpose
Account Information
Name, email address, password, phone number
Create and manage your Finity account
Financial Information
Bank account numbers, transaction history, income, expenses, budgets
Provide analytics, budgeting, and personalized insights
User Content
Feedback, support messages, survey responses
Customer support and product improvement

2.2 Information We Collect Automatically

Category
Examples
Purpose
Device Information
Device type, OS version, unique device identifiers
Optimize app performance and security
Usage Data
Screens visited, features used, time spent
Analytics and feature development
Log Data
IP address, crash reports
Debugging and fraud prevention

3. How We Use Your Information

We use your information to:

  • Deliver, maintain, and improve the Services
  • Analyze spending and generate personalized financial insights
  • Authenticate your identity and secure access to your account
  • Communicate with you about updates, security alerts, and administrative messages
  • Process transactions you initiate
  • Conduct research and develop new features
  • Comply with legal obligations and enforce our Terms of Service

4. Legal Bases for Processing (EU/UK Users)

We process your personal data under one or more of the following legal bases:

  • Consent (Art. 6(1)(a) GDPR) when you give us permission to process your data for a specific purpose (e.g., marketing emails).
  • Contractual necessity (Art. 6(1)(b)) to provide the Services you request.
  • Legal obligation (Art. 6(1)(c)) when we must comply with applicable laws.
  • Legitimate interests (Art. 6(1)(f)) to improve and secure the Services, unless those interests are overridden by your rights.

5. How We Share Your Information

We never sell your personal information. We may share it only as follows:

  • Service Providers: Trusted vendors who perform services for us (e.g., cloud hosting, analytics) under strict confidentiality agreements
  • Financial Data Aggregators: Third‑party partners that facilitate secure access to your bank data, with your explicit consent
  • Legal Requirements: When required by law, subpoena, or other legal process
  • Business Transfers: In connection with a merger, acquisition, or asset sale, provided the acquirer agrees to honor this Privacy Policy

6. Data Retention

We retain your information for as long as your account is active or as needed to provide the Services, comply with legal obligations, resolve disputes, and enforce agreements. When your data is no longer required, we securely delete or anonymize it.

7. Security

We use industry‑standard administrative, technical, and physical safeguards to protect your data, including encryption at rest and in transit, access controls, and regular security assessments. No method of transmission over the Internet or method of electronic storage is 100% secure, so we cannot guarantee absolute security.

8. Your Rights and Choices

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

  • Access the personal data we hold about you
  • Request correction or deletion of your data
  • Object to or restrict certain processing
  • Withdraw consent at any time without affecting the lawfulness of processing before withdrawal
  • Receive your data in a structured, machine‑readable format (data portability)
  • Lodge a complaint with a supervisory authority

You can exercise most rights through in‑app settings or by contacting us at rnavarro@finityapp.com.

9. International Data Transfers

Your information may be processed and stored on servers located outside your country of residence. We take appropriate measures to ensure cross‑border data transfers comply with applicable laws (e.g., Standard Contractual Clauses).

10. Links to Third‑Party Services

The App may contain links to third‑party websites or services. We are not responsible for the privacy practices of such third parties. We encourage you to read their privacy policies before providing any information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. When we do, we will update the "Last updated" date at the top and notify you via the App or other appropriate channels.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us:

Finity
Attn: Privacy Officer
Email: rnavarro@finityapp.com
Address: 5900 Balcones Dr. STE 12816 Austin, TX 78731