Welcome to FinqoAI.
This Privacy Policy describes how FinqoAI ("FinqoAI", "we", "our", or the "Platform") collects, uses, processes, stores, protects, and shares information related to users who access or use our services, applications, websites, artificial intelligence tools, and any related features.
The privacy and security of our users' information is a fundamental priority for FinqoAI. This Privacy Policy is designed to provide transparency regarding our data processing practices and to help users understand how their information is used when interacting with our services.
By accessing, registering for, or using FinqoAI, you acknowledge that you have read and understood this Privacy Policy.
FinqoAI is an artificial intelligence-powered personal finance management platform that enables users to record, organize, analyze, and better understand their financial activity through automated tools.
For the purposes of this Privacy Policy, FinqoAI acts as the controller of personal data collected through the Platform.
Contact Information:
General inquiries: hello@finqoai.com
Support: support@finqoai.com
Operational Location: Panama
This Privacy Policy applies to:
This Privacy Policy does not apply to websites, applications, or services operated by third parties that may be linked from our Platform.
For the purposes of this Privacy Policy, the following terms shall have the meanings set forth below:
Personal Data: Information that identifies, relates to, describes, or can reasonably be linked to an individual.
User: Any person who accesses, uses, or interacts with FinqoAI.
Account: A profile created by a User to access FinqoAI services.
Processing: Any operation performed on Personal Data, including collection, storage, use, modification, disclosure, or deletion.
Service Provider: Any third-party company that provides services necessary for the operation of FinqoAI.
User Content: Information, financial records, messages, instructions, or any other content submitted by a User.
Artificial Intelligence: Features powered by machine learning or large language models integrated into FinqoAI.
When creating an account or using our services, we may collect:
Depending on how the Platform is used, we may collect and store:
All financial information is provided directly by Users and is used solely to deliver the services offered by FinqoAI.
When using AI-powered features, we may store:
This information is stored to enable the normal functionality of the Platform and provide a personalized user experience.
We may automatically collect:
We may receive limited information from third-party services used for authentication or payment processing. Examples include:
We use collected information to:
FinqoAI uses artificial intelligence models provided by OpenAI.
When a User interacts with AI-powered features:
Artificial intelligence systems may generate inaccurate, incomplete, or incorrect information. Users are responsible for reviewing and validating any recommendations, analyses, or outputs generated by the Platform.
Depending on the applicable jurisdiction, FinqoAI may process Personal Data based on one or more of the following legal grounds:
FinqoAI does not sell Personal Data. FinqoAI does not rent Personal Data. FinqoAI does not share Personal Data with advertisers.
Information may only be disclosed when necessary to:
FinqoAI relies on third-party providers that may process information on our behalf.
OpenAI — Provider of artificial intelligence services and language models.
Supabase — Provider of database infrastructure, authentication services, cloud storage, and backend systems.
Dodo Payments — Provider of subscription management and payment processing services.
Hostinger — Provider of website hosting, technical infrastructure, and business email services.
Google Analytics — Provider of analytics and platform usage measurement services.
These providers operate under their own privacy policies and security practices.
Subscriptions and payments are processed by Dodo Payments.
FinqoAI does not store:
All payment information is processed directly by Dodo Payments through secure channels.
We implement reasonable technical, administrative, and organizational measures designed to protect information against unauthorized access, alteration, accidental loss, improper destruction, and unauthorized disclosure.
Security measures may include:
Despite our efforts, no method of electronic transmission or storage can be guaranteed to be completely secure.
We retain information only for as long as necessary to provide our services, fulfill legal obligations, resolve disputes, and enforce agreements.
When a User requests account deletion:
Users may request deletion of their accounts at any time. Account deletion may include:
Certain information may be retained where required by law or for legitimate security purposes.
Users may request a copy of their Personal Data and information stored within FinqoAI. Where technically feasible, such information will be provided in a commonly used and reasonably accessible format.
Due to the global nature of the internet and our service providers, information may be processed or stored in countries other than the User's country of residence. When international transfers occur, we implement reasonable safeguards designed to protect Personal Data in accordance with applicable laws.
Depending on applicable laws, Users may have the right to:
Requests may be submitted to: support@finqoai.com
Users located within the European Economic Area, Switzerland, or the United Kingdom may exercise rights granted under the General Data Protection Regulation (GDPR) and UK GDPR, including:
Residents of California may have additional rights under the California Consumer Privacy Act (CCPA), including:
Residents of Brazil may exercise rights provided under the Lei Geral de Proteção de Dados (LGPD), including:
FinqoAI is intended only for individuals who are at least 16 years old. If we become aware that we have collected Personal Data from an individual under the age of 16, we may take steps to delete such information.
FinqoAI may use cookies and similar technologies to:
Users may manage certain cookie preferences through their browser settings.
We may update this Privacy Policy from time to time. When significant changes are made, we may notify Users through email communications, platform notifications, or publication on our website.
The date displayed at the top of this Privacy Policy indicates the latest revision. Continued use of FinqoAI after changes become effective constitutes acceptance of the updated Privacy Policy.
If you have questions regarding privacy, data protection, or this Privacy Policy, please contact us:
General inquiries: hello@finqoai.com
Support: support@finqoai.com
FinqoAI — Panama
This Privacy Policy shall be interpreted in accordance with applicable privacy and data protection laws. Nothing in this Privacy Policy limits any rights granted to Users under applicable law.
FinqoAI is committed to maintaining reasonable standards of transparency, security, accountability, and protection of Personal Data for all Users worldwide.