Privacy Policy

Effective date: June 25, 2025

Finent is a personal budgeting tool. This policy explains what information we collect, how we use it, and the choices you have. We do not sell your data — ever.

1 Information We Collect

We collect only the information necessary to provide the Finent service.

Account information

Email address (used as your username and for notifications)
Password (stored as a salted cryptographic hash — never in plain text)

Financial data you enter

Income sources: name, amount, frequency, and pay-day settings
Expenses: name, amount, category (Need / Want / Saving), and due dates
Utility expenses: name, amount, due day, and paid status
Savings goals: name, target amount, target date, and progress
Budget groups and snapshots you create

Technical data

Session cookies required for authentication
Brief application logs for error diagnostics, retained for 7 days (see our Data Retention Policy)
IP addresses held in memory during rate-limiting checks; not persisted to disk

We do not collect location data, device fingerprints, advertising IDs, or any behavioural tracking information.

2 How We Use Your Information

To create and maintain your account
To display your personalised budget dashboard and calculations
To send transactional emails: account confirmation, password reset, and bill-reminder notifications you have configured
To diagnose and fix application errors

We do not use your data to serve advertisements, build marketing profiles, or share information with third parties for commercial purposes.

3 Email and Notifications

Finent sends transactional emails through the Gmail API (Google LLC). When we send you an email, Google processes the message content and delivery metadata (such as recipient address and timestamp) in accordance with Google's Privacy Policy.

We do not send marketing emails. You may disable bill-reminder emails at any time from your account's Bill Reminders settings.

4 Data Sharing

We do not sell, rent, or trade your personal information. The only external service that touches your data is the Gmail API used for email delivery described above.

If Finent is hosted by a cloud provider, that provider may have incidental access to encrypted data at rest in the ordinary course of operating their infrastructure. Their own data-processing terms apply.

5 Data Security

We apply industry-standard measures to protect your data:

All traffic is served over HTTPS with secure, HTTP-only cookies
Passwords are hashed with a PBKDF2-SHA256 algorithm
Login attempts are limited by a rate-limiter and account lockout policy
Optional two-factor authentication (2FA) is available on your account

No system is completely immune to attack. If you discover a security vulnerability, please report it responsibly before public disclosure.

6 Your Rights

Download Your Data

Export a copy of all personal data linked to your account as a JSON file from your account settings.

Delete Your Account

Permanently delete your account and all associated financial data. This action cannot be undone.

You may also correct inaccurate data at any time by editing your entries directly within the application.

7 Cookies

Finent uses a minimal set of cookies that are strictly necessary for the application to function. We do not use advertising, analytics, or tracking cookies. See our Cookie Policy for full details.

8 Children's Privacy

Finent is not directed at children under 13. We do not knowingly collect personal information from anyone under 13. If you believe a child has provided us with personal data, please contact us so we can remove it.

9 Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the effective date at the top of this page. Continued use of Finent after changes are posted constitutes your acceptance of the revised policy.