Privacy Policy
Last updated: July 27, 2026
Finav LLC, a California limited liability company ("Finav," "we," "us," or "our"), operates the Finav mobile application, finav.app, and related services (collectively, the "Service"). This Privacy Policy explains what information we collect, how we use and disclose it, how long we retain it, and the choices available to you.
Information We Collect
Account and authentication information
We collect information such as your name, email address, authentication identifiers, account status, profile details and preferences when you create or use a Finav account.
Financial, household and location information
We collect financial information you enter or share, including income, expenses, bills, debts, balances, transactions, savings, financial goals and related circumstances. We may also collect your ZIP code, address and household information when you provide it for estimates or personalized guidance.
When you enter your address, the app offers to fill it in from your device location. If you choose that option and allow access at your device's permission prompt, the app reads your precise location once and sends those coordinates to Finav, which uses Google's mapping services to find the matching address. We request location only while you are using the app, only at the moment you tap the option, and we do not collect your location in the background or track your movements. You can always decline and type your address instead.
If you choose to connect a financial account through Plaid Inc. ("Plaid"), we may receive account names and types, balances, transaction details and identity information made available by your financial institution. Finav does not receive your financial-institution password.
By 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 the relevant financial institution. You agree that this information may be transferred to, stored and processed by Plaid in accordance with Plaid's End User Privacy Policy.
Coach conversations and personalization
We collect messages and other information you submit to the Finav coach, the responses generated for you, feedback you provide, and related transcripts. We may create and store summaries and personalization memory so the coach can maintain useful context across sessions.
Subscription and purchase information
When you purchase a subscription, we receive limited information from Apple or Google Play, such as the product purchased, subscription status, transaction identifiers and purchase validation information. Finav does not receive your full payment card number.
Device, usage and security information
We may collect device and app information, operating-system information, device or installation identifiers, IP address, timestamps, features used, interactions, crash information and security or rate-limit events. This information may be pseudonymous, but we do not describe it as anonymous when it could be associated with a device or account.
Website, waitlist and affiliate information
If you join our waitlist or newsletter, we collect your email address and subscription choice. Our website analytics services process limited page-view, device and interaction information to help us understand how the site is used. If you view or follow an affiliate link, we may record the offer shown, link clicked, timestamp and related attribution information.
How We Collect Information
We collect information:
- Directly from you when you enter it or contact us
- From your device and use of the Service, including through security and analytics technologies
- From your device's location, only when you ask the app to fill in your address and grant permission
- From services you choose to connect, such as Plaid and your financial institution
- From Apple or Google Play when you purchase or manage a subscription
How We Use Information
We use information to:
- Create, authenticate and support your account
- Provide financial education, personalized guidance, summaries and other Service features
- Generate coach responses and preserve context across sessions
- Connect and refresh financial-account information you request
- Look up your address when you ask the app to use your device location
- Validate and manage subscription access
- Operate, secure, troubleshoot and improve the Service, including preventing fraud and abuse
- Communicate with you about your account, support requests, product updates and marketing you requested
- Measure affiliate activity and website performance
- Comply with law and protect legal rights
AI Processing
To generate responses, Finav sends your messages and relevant financial context to Anthropic's Claude API. Anthropic is not permitted to use Finav's API inputs or outputs to train its models. Finav has disabled user feedback that would send full prompts and responses to Anthropic for model improvement and is not enrolled in Anthropic's Development Partner Program.
Under Finav's current Anthropic workspace settings, Anthropic may retain API inputs and outputs for up to 30 days for safety and security purposes, subject to limited legal and policy-enforcement exceptions.
Core Service Providers
| Provider | Information and purpose |
|---|---|
| Anthropic | Processes coach messages and relevant financial context to generate Claude responses. |
| Plaid | Connects financial accounts and transmits account, balance, transaction and related identity information you authorize. Plaid processes that information under Plaid's End User Privacy Policy. |
| Google/Firebase | Provides account authentication and applicable cloud services using account identifiers and technical data. Google's mapping services also process address searches and any location coordinates you choose to share, so we can return the matching address. |
| Apple and Google Play | Process purchases and provide subscription status, transaction identifiers and validation information. |
We also use service providers for cloud hosting, analytics, email delivery, security, customer support and affiliate attribution. These providers may process information only to perform services for Finav and must protect it appropriately.
Other Disclosures
We may also disclose information:
- When you direct us to do so, such as when connecting an account or following a third-party link
- To comply with law, legal process or valid government requests
- To protect users, Finav or others from fraud, security threats or harm
- In connection with a merger, financing, acquisition, reorganization or sale of assets, subject to appropriate protections
We do not sell personal information. We do not use personal information for third-party targeted advertising.
Retention and Deletion
| Information | General retention approach |
|---|---|
| Account, financial profile, conversations, summaries and memory | Retained while your account is active and through the seven-day deletion grace period, then deleted from active systems unless limited retention is legally required. |
| Connected-account information | Retained while needed to provide the connection and deleted when the connection or account is deleted, subject to limited legal requirements. |
| Anthropic API inputs and outputs | Retained by Anthropic for up to 30 days for safety and security under the current workspace setting, subject to limited exceptions. |
| Security and operational records | Retained only as long as reasonably needed to investigate incidents, prevent abuse, operate the Service and satisfy legal obligations, then deleted or deidentified. |
| Purchase and legal records | Retained for the period required for accounting, tax, fraud-prevention, dispute-resolution and other legal obligations. |
| Waitlist and marketing information | Retained until you unsubscribe, ask us to delete it, or it is no longer needed for the purpose collected. |
Routine backups may retain information for a limited period until they are overwritten. During that period, backup information is isolated from normal use and deleted according to our backup schedule.
Your Rights and Choices
Depending on where you live, you may have the right to access, correct, delete or receive a copy of personal information; object to or restrict certain processing; and withdraw consent where we rely on consent.
You can initiate account deletion in the Finav app or through our Delete Account page. After we verify and schedule the request, there is a seven-day grace period before permanent deletion. You may also contact privacy@finav.app about other privacy requests.
You can disconnect a linked financial account from within Finav. You can unsubscribe from marketing through the link in the message or by contacting us.
Data Security
We use administrative, technical and organizational safeguards designed to protect information, including encryption in transit, appropriate encryption at rest, access controls, secure authentication and monitoring. No system can guarantee absolute security.
We require service providers that process user information to provide protections consistent with this Privacy Policy and applicable law.
International Data Transfers
Finav and its service providers may process information in the United States and other countries. Where required, we use appropriate safeguards for international transfers.
Children's Privacy
The Service is intended for adults and is not directed to anyone under 18. We do not knowingly collect personal information from children. Contact us if you believe a child has provided personal information.
Changes to This Policy
We may update this Privacy Policy as the Service or applicable requirements change. We will post the updated policy, revise the date above and provide additional notice when required.
Contact Us
Contact Finav LLC about this Privacy Policy or our privacy practices at privacy@finav.app.