Privacy Policy

At FINAV ("we," "us," or "our"), we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and related services (collectively, the "Service").

Information We Collect

Information You Provide

When you use FINAV, you may provide us with:

• Account information: Name, email address, and profile details
• Financial information: Income, expenses, debts, and financial goals you share during conversations, as well as financial account data collected through our third-party provider, Plaid (see "Third-Party Financial Services" below)
• Communication data: Messages and responses within the app

Information Collected Automatically

When you use our Service, we may automatically collect:

• Device information (type, operating system, unique identifiers)
• Usage data (features accessed, time spent, interactions)
• Log data (IP address, browser type, pages visited)

Third-Party Financial Services (Plaid)

FINAV uses Plaid Inc. ("Plaid") to connect your financial accounts and gather data from your financial institutions. By using our Service and connecting a financial account, you grant FINAV and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution(s).

When you connect your financial accounts through Plaid, Plaid may collect and process the following information:

• Account information: Account name, type, balance, and details from your financial institution(s)
• Transaction data: Transaction history, amounts, dates, and descriptions
• Identity information: Name, email address, phone number, and address as held by your financial institution(s)
• Device and technical data: IP address, device type, operating system, and browser information

You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with Plaid's End User Privacy Policy.

How We Use Your Information

We use the information we collect to:

• Provide personalized financial guidance and insights
• Improve and optimize our Service
• Communicate with you about updates and features
• Ensure the security and integrity of our Service
• Comply with legal obligations

Information Sharing

We do not sell your personal information. We may share your information only in the following circumstances:

• Service providers: With trusted third parties who help us operate our Service (e.g., cloud hosting, analytics), including Plaid Inc. for financial account connectivity (see Plaid's End User Privacy Policy)
• Legal requirements: When required by law or to protect our rights
• Business transfers: In connection with a merger, acquisition, or sale of assets
• With your consent: When you explicitly authorize us to share

Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of data in transit and at rest
• Secure authentication mechanisms
• Regular security assessments and monitoring
• Access controls and employee training

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

Your Rights and Choices

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Delete your personal information
• Object to or restrict certain processing
• Data portability
• Withdraw consent where processing is based on consent

To exercise these rights, please contact us at privacy@finav.app.

Cookies and Analytics

Our website uses privacy-friendly analytics (Plausible) that does not use cookies or track personal information. Our mobile app may collect anonymous usage data to improve the Service.

Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Data Retention

We retain your information for as long as your account is active or as needed to provide you with our Service. We may also retain certain information as required by law or for legitimate business purposes.

International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

Changes to This Policy

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

Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Email: privacy@finav.app