Privacy Policy

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, type, frequency, and due dates
• Utility expenses: name, amount, due day, and paid status

Billing information (paid plans only)

• A Stripe customer and subscription reference, the plan you're on, your subscription status, and the date your current period ends
• Not your card number or payment credentials — those are entered on Stripe's checkout and never reach Finent (see Payments)

Technical data

• Session cookies required for authentication (see Cookies)
• 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

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 Account → Bill Reminders.

4 Payments

If you subscribe to a paid plan, payments are processed by Stripe, Inc. Stripe receives the information needed to take payment — your email address, your card or payment details, and billing information you enter on their checkout page — and processes it under Stripe's Privacy Policy.

Finent never sees or stores your card number or payment credentials. Card entry happens on Stripe's own hosted checkout page, not on Finent. We store only a Stripe customer reference, your subscription status, the plan you're on, and the date your current period ends — enough to know whether your subscription is active.

Stripe never receives your financial records: your incomes, expenses, and pay-period data are not shared with them. If you stay on the free plan, no data is sent to Stripe at all.

5 Data Sharing

We do not sell, rent, or trade your personal information. The only external services that touch your data are the Gmail API used for email delivery, and — if you subscribe — Stripe for payment processing, both 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.

6 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.

7 Your Rights

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

8 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.

9 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.

10 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.