Privacy Policy

When you use Finmora, we collect information to provide and improve our services. This includes:

Information You Provide

• Account Information: Name, email address, phone number, and password when you create an account.
• Financial Data: Account balances, transactions, budgets, savings goals, and other financial information you enter or connect to your family workspace.
• Payment Information: Billing details processed securely through our payment partners (we do not store full card numbers).
• Communications: Messages and inquiries you send to our support team.

Information Collected Automatically

• Usage Data: Pages visited, features used, time spent, and interaction patterns within the platform.
• Device Information: Browser type, operating system, IP address, and device identifiers.
• Log Data: Server logs, error reports, and activity logs for security and debugging purposes.

We use the information we collect to:

• Provide, operate, and maintain the Finmora platform
• Process transactions and send related information including invoices and receipts
• Send technical notices, updates, security alerts, and support messages
• Respond to comments, questions, and customer support requests
• Understand how you use our services to improve functionality and user experience
• Monitor platform usage to detect and prevent fraudulent transactions or abuse
• Comply with applicable legal and regulatory obligations
• Send promotional communications (only with your consent, and you may opt out at any time)

We do not sell, trade, or rent your personal or financial information to third parties. We may share information only in the following circumstances:

• Service Providers: Trusted third-party vendors who assist in operating our platform (cloud hosting, email delivery, payment processing, currency-rate data). These providers are bound by confidentiality agreements.
• With Other Family Members: Information within a shared family workspace is visible to the family members and roles you explicitly invite and grant access to.
• Legal Requirements: When required by law, court order, or governmental authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with appropriate notice to you.
• With Your Consent: In any other case, only with your explicit consent.

Finmora stores your data on secure cloud infrastructure. We implement industry-standard security measures including:

• 256-bit SSL/TLS encryption for all data in transit
• AES-256 encryption for data at rest
• Role-based access controls and multi-factor authentication
• Regular security audits and penetration testing
• Automated daily backups
• A strict Zero Data Selling Pledge — your family's financial data is never sold or shared with advertisers

While we implement robust security measures, no system is completely immune to breaches. In the event of a data breach, we will notify affected users as required by applicable law.

We use cookies and similar tracking technologies to enhance your experience on our platform:

• Essential Cookies: Required for the platform to function (session management, authentication). Cannot be disabled.
• Analytics Cookies: Google Analytics to understand usage patterns. You may opt out via browser settings.
• Preference Cookies: Store your settings and preferences for a personalized experience.

You can control cookie settings through your browser preferences. Disabling certain cookies may affect platform functionality.

You have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Correction: Update or correct inaccurate personal information.
• Deletion: Request deletion of your personal data (subject to legal retention requirements).
• Portability: Receive your data in a structured, machine-readable format.
• Objection: Object to processing of your personal data for marketing purposes.
• Restriction: Request restriction of processing in certain circumstances.

To exercise any of these rights, contact us at hello@finmora.ai. We will respond within 30 days.

We retain your data for as long as your account is active or as needed to provide services. Specifically:

• Account Data: Retained for the duration of your subscription plus 90 days after cancellation.
• Financial Records: Retained per your configuration and applicable regulatory requirements.
• Billing Records: Retained for 7 years per financial regulations.
• Log Data: Retained for 12 months for security and debugging.

Upon account deletion, personal data is removed within 30 days except where legal obligations require longer retention.

Finmora is a family finance platform intended for adult use. Our services are not directed to children under the age of 18, and any family member accounts for minors must be created and supervised by a parent or legal guardian who holds the primary account. We do not knowingly collect personal information directly from minors. If you believe we have inadvertently collected information from a minor outside of a supervised family workspace, please contact us immediately.

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. We will notify you of significant changes by:

• Posting the updated policy on this page with a revised date
• Sending an email notification to registered users
• Displaying an in-platform notification

Continued use of our services after changes become effective constitutes acceptance of the updated policy.

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please contact our Data Protection team:

• Email: hello@finmora.ai