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Privacy Policy

Last updated: October 8, 2025

Your Privacy is Our Priority

At Finley, we're committed to protecting your financial data with bank-level security and complete transparency about how we handle your information.

1. Information We Collect

Personal Information

  • Name, email address, and phone number
  • Account credentials and authentication information
  • Profile preferences and settings

Financial Information

  • Bank statements and transaction data (when you upload them)
  • Account balances and financial summaries
  • Spending patterns and categorizations
  • Net worth calculations and asset/liability information

Usage Information

  • How you interact with Finley's features
  • Device information and IP addresses
  • Log data and analytics

2. How We Use Your Information

  • AI-Powered Insights: We analyze your financial data to provide personalized spending insights, budgeting recommendations, and financial advice
  • Service Improvement: We use aggregated, anonymized data to improve Finley's AI capabilities and user experience
  • Account Management: To create and maintain your account, process your requests, and provide customer support
  • Communication: To send you important updates, security alerts, and (with your permission) helpful financial tips
  • Security: To detect and prevent fraud, unauthorized access, and other security threats

3. Information Sharing and Disclosure

We Do NOT Sell Your Data

Finley will never sell, rent, or trade your personal or financial information to third parties for marketing purposes.

We may share your information only in these limited circumstances:

  • With Your Consent: When you explicitly authorize us to share specific information
  • Service Providers: With trusted partners who help us operate Finley (like cloud hosting providers) under strict confidentiality agreements
  • Legal Requirements: When required by law, court order, or to protect rights and safety
  • Business Transfers: In the event of a merger or acquisition (with the same privacy protections)

4. Data Security

Bank-Level Security

Your data is protected with industry-standard encryption, secure servers, and regular security audits.

  • Encryption: All data is encrypted in transit and at rest using AES-256 encryption
  • Access Controls: Strict access controls and authentication requirements for our team
  • Regular Audits: Regular security assessments and penetration testing
  • Secure Infrastructure: We use trusted cloud providers with SOC 2 compliance

5. Your Rights and Choices

You have several rights regarding your personal information:

  • Access: Request a copy of the personal information we have about you
  • Correction: Ask us to correct any inaccurate or incomplete information
  • Deletion: Request deletion of your personal information (subject to legal requirements)
  • Data Portability: Request your data in a portable format
  • Opt-out: Unsubscribe from marketing communications at any time

To exercise these rights, contact us at privacy@finley.com

6. AI and Machine Learning

Finley uses artificial intelligence to analyze your financial data and provide insights. Here's how it works:

  • Your data is processed by our AI models to identify spending patterns and provide recommendations
  • We use aggregated, anonymized data to improve our AI models
  • Your individual data is never used to train models for other users
  • All AI processing happens on secure servers with the same privacy protections

7. Data Retention

We retain your information only as long as necessary to provide our services and comply with legal obligations:

  • Account information: Retained while your account is active
  • Financial data: Retained for up to 7 years for legal and regulatory compliance
  • Usage analytics: Anonymized data may be retained longer for service improvement
  • You can request deletion of your account and associated data at any time

8. Children's Privacy

Finley is not intended for use by children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us immediately.

9. International Users

Finley is based in Canada and primarily serves Canadian users. If you're using Finley from outside Canada, please note that your information may be transferred to and processed in Canada, where our servers are located.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we'll notify you by email and update the "Last Updated" date at the top of this policy. Continued use of Finley after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have any questions about this Privacy Policy or how we handle your information, please contact us: