Privacy Policy

1. Overview

This Privacy Policy explains how [COMPANY LEGAL NAME] (“Finzest”, “we”, “us”) collects, uses, and shares information when you use the Finzest service at finzest.app and related apps (the “Service”). By using Finzest, you agree to this Policy.

2. Information we collect

Account information

When you sign up, our authentication provider (Firebase Authentication) provides us with your email address, display name, and a user identifier, depending on how you sign in.

Onboarding and profile

Answers you give during onboarding, such as your goals and self-rated experience.

Learning activity

Your progress, including lessons completed, answers, XP, streaks, and hearts.

Content you upload

Financial information you choose to provide for tools such as the budget builder — for example, a bank-statement CSV.

Payment information

Payments are handled by our processors (Stripe, Apple, or Google). We receive limited details such as subscription status and the last four digits of a card; we do not store full card numbers.

Usage and device data

Log data, device and browser information, IP address, and analytics about how you use the Service.

3. How we use your information

We use your information to:

• provide, maintain, and personalize the Service and your learning path;
• run the Apply features that act on data you provide;
• process subscriptions and payments;
• communicate with you about your account and updates;
• improve, secure, and troubleshoot the Service; and
• comply with legal obligations.

4. Financial data and AI processing

To provide Apply features such as the budget builder, content you upload (for example, a bank-statement CSV) is processed by our AI provider, Anthropic, to generate your results. We send only what is needed to produce the output you requested, and we do not sell this data.

We recommend sharing only the data you are comfortable providing — for instance, you may redact account numbers before uploading. [Confirm the AI provider’s data-handling and retention terms with counsel and reflect them here.]

5. How we share information

We share information with:

• service providers that help run Finzest, such as Google Firebase (authentication), Vercel (hosting), Cloudflare (DNS and content delivery), Anthropic (AI processing), and Stripe, Apple, or Google (payments);
• authorities or others where required by law or to protect rights and safety; and
• a successor in connection with a merger, acquisition, or sale of assets.

We do not sell your personal information.

6. Cookies and similar technologies

We use cookies and similar technologies as described in our Cookie Policy.

7. Data retention

We keep information for as long as needed to provide the Service and for legitimate business or legal purposes. You can ask us to delete your account and associated data, subject to legal exceptions.

8. Security

We use reasonable technical and organizational measures to protect your information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

9. Your rights and choices

Depending on where you live (for example, under the EU/UK GDPR or the California CCPA/CPRA), you may have rights to access, correct, delete, port, or object to the processing of your personal information. To exercise these rights, contact privacy@finzest.app. You can also update or delete your account at any time.

10. International transfers

We may process and store information in countries other than where you live. Where required, we use appropriate safeguards for such transfers.

11. Children

Finzest is not directed to children under 16, and we do not knowingly collect personal information from them. If you believe a child has provided us information, contact us so we can delete it.

12. Changes to this Policy

We may update this Policy from time to time. If we make material changes, we will provide notice, and the “Last updated” date above will reflect the latest version.

13. Contact

Questions about privacy? Contact us at privacy@finzest.app.