Privacy Policy

1. Introduction

At FinAI, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial management platform.

By accessing or using our Services, you agree to this Privacy Policy. If you do not agree with our policies and practices, do not use our Services. Your continued use of our Services after we make changes to this Privacy Policy constitutes your acceptance of those changes.

This Privacy Policy applies to all information collected through our Services, as well as any related services, sales, marketing, or events.

2. Information We Collect

We collect several types of information from and about users of our Services:

2.1. Information You Provide to Us

We collect information that you provide directly to us, such as:

• Account Information: When you create an account, we collect your name, email address, password, business type, business size, and other information you choose to provide.
• Financial Data: Information about your financial accounts, transactions, balances, income, expenses, assets, and other financial information that you choose to share with our service.
• Profile Information: When you set up your profile, we may collect your photo, job title, company, and other details you choose to provide.
• Feedback and Correspondence: Information you provide when you participate in surveys, send us emails, respond to our requests, report a problem, or otherwise correspond with us.
• Transaction Information: Details of transactions you carry out through our Services and of the fulfillment of your orders.
• Usage Information: Details about how you use our Services, what features you access, and how you interact with our platform.

2.2. Information We Collect Automatically

When you access or use our Services, we automatically collect certain information, including:

• Device Information: Information about the device you use to access our Services, including hardware model, operating system and version, unique device identifiers, and mobile network information.
• Log Information: Information that your browser or device sends whenever you visit our website or use our app, such as your IP address, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform.
• Usage Data: Information about your use of our Services, such as the features you use, the pages you visit, the time and date of your visits, the time spent on those pages, and other statistics.
• Location Information: Information about your location, which can be precise (such as latitude/longitude coordinates) or imprecise (such as location derived from an IP address or device settings).

2.3. Information We Collect from Third Parties

We may collect information about you from third parties, including:

• Financial Institutions: When you connect your financial accounts, we receive information from the financial institutions about your accounts, balances, transactions, and other financial data.
• Business Partners: We may receive information about you from our business partners, such as when they co-sponsor events or promotions.
• Identity Verification Services: We may use third-party services to verify your identity and receive information about you from these services.
• Public Sources: We may collect information from publicly available sources, such as social media platforms or public records.

3. How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide our Services: Set up and maintain your account, provide customer service, process transactions, and send related information including confirmations, technical notices, updates, security alerts, and administrative messages.
• Improve our Services: Develop new products and services, and enhance, improve, or modify our existing Services.
• Personalize your experience: Present tailored content, features, and offers, and remember your preferences.
• Communicate with you: Send you technical notices, updates, security alerts, support messages, and other administrative messages.
• Customer support: Respond to your comments, questions, and customer service requests.
• Marketing: Communicate with you about products, services, offers, promotions, rewards, and events, and provide other news or information about us and our partners.
• Analytics: Monitor and analyze trends, usage, and activities in connection with our Services to improve them and develop new features.
• Security: Detect, investigate, and prevent fraudulent transactions and other illegal activities, and protect the rights, property, and safety of FinAI, our users, and others.
• Legal compliance: Comply with applicable laws, lawful requests, and legal processes, such as responding to subpoenas or requests from government authorities.

4. Data Security

We implement appropriate technical and organizational measures to protect the security of your personal information. Our security measures include:

• Encryption: We encrypt your data in transit and at rest using industry-standard encryption protocols.
• Access Controls: We restrict access to your personal information to employees, contractors, and agents who need to know that information to process it for us.
• Regular Audits: We conduct regular security assessments and audits to ensure our systems remain secure.
• Incident Response: We have procedures in place to handle any suspected personal data breach and will notify you and applicable regulators when we are legally required to do so.

However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

5. Data Retention

We store the information we collect about you for as long as is necessary for the purpose(s) for which we originally collected it. We may retain certain information for legitimate business purposes or as required by law.

When determining the appropriate retention period for your data, we consider:

• The amount, nature, and sensitivity of the personal information
• The potential risk of harm from unauthorized use or disclosure
• The purposes for which we process the data and whether we can achieve those purposes through other means
• Applicable legal, regulatory, tax, accounting, or other requirements

When we no longer need personal information, we securely delete or anonymize it so that it can no longer be associated with you.

6. Your Rights

Depending on your location, you may have certain rights regarding your personal information. These may include:

• Access: You can request copies of your personal information that we hold.
• Correction: You can ask us to correct inaccurate or incomplete information we hold about you.
• Deletion: You can ask us to delete your personal information in certain circumstances.
• Restriction: You can ask us to restrict the processing of your personal information in certain circumstances.
• Objection: You can object to our processing of your personal information in certain circumstances.
• Portability: You can ask us to transfer the information you gave us to another organization or to you in certain circumstances.
• Withdraw Consent: If we rely on your consent to process your personal information, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the contact information provided at the end of this Privacy Policy. Please note that these rights may be limited in some circumstances by applicable law.

7. Children's Privacy

Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information.

If you believe we might have any information from or about a child under 13, please contact us immediately using the contact information provided at the end of this Privacy Policy.

8. International Data Transfers

We are based in the United States and the information we collect is governed by U.S. law. If you are accessing our Services from outside the United States, please be aware that information collected through our Services may be transferred to, processed, stored, and used in the United States and other jurisdictions.

By using our Services or providing us with any information, you consent to the transfer, processing, storage, and use of your information in the United States and other jurisdictions where privacy laws may not be as comprehensive as those in your country.

9. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

If we make material changes to this Privacy Policy, we will notify you either through the email address you have provided us or by placing a prominent notice on our website.

10. Contact Us

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