Privacy Policy

This Privacy Policy ("Policy") describes how FinKeeper ("we," "us," or "our") collects, uses, stores, and protects your personal information when you use our personal finance management application and related services (collectively, the "Service").

By using our Service, you agree to the collection and use of information in accordance with this Policy. If you do not agree with this Policy, please do not use our Service.

This Policy is effective as of the date listed above and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

2.1 Personal Information

We collect personal information that you provide directly to us, including:

• Name and username
• Email address
• Password (encrypted)
• Language preference
• Base currency preference
• Timezone preference

2.2 Financial Information

To provide our financial management services, we collect:

• Transaction records and details
• Account information and balances
• Budget categories and limits
• Financial goals and progress
• Custom financial categories

2.3 Automatically Collected Information

We automatically collect certain information when you use our Service:

• IP address and location data
• Browser type and version
• Device type and operating system
• Usage patterns and preferences
• Cookie and tracking data

We use the information we collect for the following purposes:

• To provide and maintain our financial management services
• To communicate with you about your account and our services
• To verify your identity and prevent fraud
• To improve and personalize our services
• To analyze usage patterns and optimize performance
• To comply with legal obligations and enforce our terms
• To ensure the security and integrity of our platform

We use cookies and similar tracking technologies to enhance your experience and collect information about how you use our Service.

4.1 Types of Cookies We Use

• Necessary Cookies: Required for basic functionality and security
• Analytics Cookies: Help us understand how visitors interact with our Service
• Preference Cookies: Remember your settings and preferences
• Session Cookies: Maintain your login state during your visit

4.2 Managing Cookies

You can control and manage cookies through your browser settings. However, disabling certain cookies may limit your ability to use some features of our Service.

We also use cookie consent management to give you control over non-essential cookies. You can modify your preferences at any time through our cookie consent banner.

We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except in the following circumstances:

• Service providers who assist us in operating our Service
• Legal requirements or to protect our rights and safety
• Business transfers (in case of merger or acquisition)
• Analytics providers (with your consent)

5.1 Analytics and Third-Party Services

We use the following third-party services to improve our Service:

• Google Analytics - for website usage analytics
• Yandex.Metrika - for website usage analytics
• hCaptcha - for bot protection and security

These services may collect information about your use of our Service. You can control this through our cookie consent settings.

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

• End-to-end encryption for sensitive data transmission
• Strict access controls and authentication requirements
• Regular security monitoring and vulnerability assessments
• Secure data backup and disaster recovery procedures
• Employee training on data protection and privacy

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this Policy, unless a longer retention period is required or permitted by law.

• Account data: Retained while your account is active
• Financial data: Retained for 7 years (tax compliance)
• System logs: Retained for 90 days for security purposes
• Marketing data: Retained until consent is withdrawn

When you delete your account, we will delete or anonymize your personal information, except where retention is required by law or for legitimate business purposes.

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

8.1 GDPR Rights (EU/EEA Users)

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to data portability
• Right to restrict processing
• Right to object to processing
• Right to withdraw consent

8.2 CCPA Rights (California Users)

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising your rights

8.3 Exercising Your Rights

To exercise any of these rights, please contact us using the information provided at the end of this Policy. We will respond to your request within 30 days.

Your personal information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws.

For transfers from the EU/EEA to countries that do not provide adequate protection, we implement appropriate safeguards such as Standard Contractual Clauses approved by the European Commission.

Our Service is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18.

If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately. We will take steps to remove such information from our records.

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons.

We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Policy periodically.

Your continued use of our Service after any changes to this Policy constitutes acceptance of the updated Policy.

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

We will respond to your inquiry within 30 days. If you are not satisfied with our response, you may have the right to lodge a complaint with your local data protection authority.

Under the GDPR, we process your personal information based on the following legal grounds:

• Consent: When you explicitly agree to the processing
• Contract: To provide our services under our terms
• Legitimate Interest: To improve our services and prevent fraud
• Legal Obligation: To comply with applicable laws

We have appointed a Data Protection Officer (DPO) to oversee compliance with data protection laws. You can contact our DPO at:

California residents have additional rights under the California Consumer Privacy Act (CCPA). To exercise these rights, please contact us using the information provided above.

We do not sell your personal information to third parties. We may share your information with service providers as described in this Policy.