Privacy Policy - Finomini

Effective Date: November 1st, 2025 Last Updated: November 1st, 2025

Finomini, Inc. ("Finomini", "we", "our", or "us") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and secure your personal data when you access or use our mobile application, website, or related services (collectively, the "Services"). By using our Services, you agree to this Privacy Policy.

Quick Summary

We do not sell your financial information.
We collect only the data needed to operate and improve the Services.
We use trusted third-party tools (like Mixpanel, Segment, Singular, OneSignal, RevenueCat, ChatGPT, and Claude) for analytics, insights, and user engagement.
We maintain strong security controls and honor your privacy rights.

1. What This Policy Covers

This policy applies to any personal data collected from:

Our app and website
Services, communications, and surveys
Third-party integrations, such as linked banks

This policy does not apply to third-party services not under our control.

2. Categories of Personal Data We Collect

3. Sources of Data

We collect personal data:

Directly from you: During account setup, usage, surveys, support contact
Automatically: Through cookies, SDKs, device permissions
From third parties: Banks, attribution tools, analytics partners

4. Tools & SDKs We Use

We integrate with several trusted platforms:

Mixpanel: Behavior analytics and product usage tracking
Segment: Data routing and centralized tracking
Singular: Ad attribution and campaign analytics
OneSignal: Push notification delivery and performance
RevenueCat: Subscription and in-app purchase tracking
ChatGPT (OpenAI) and Claude (Anthropic): Used to generate financial insights, summaries, and personalized recommendations for users.

About ChatGPT and Claude

These AI tools process pseudonymized or aggregated data to generate insights (e.g., spending summaries, financial goal suggestions).
No raw financial or personally identifying data (e.g., account numbers, full transaction details) is shared with these models.
Data processing complies with contractual and data protection requirements, ensuring it is used solely for service functionality and improvement.

5. Legal Bases and Purpose of Processing

We use personal data to:

Deliver and customize financial tools and insights
Process payments and subscriptions
Send notifications and updates (with opt-in consent)
Prevent fraud and secure the platform
Measure product and marketing effectiveness
Comply with legal and regulatory obligations

We rely on:

Your consent (e.g., cookies, marketing, AI insights)
Contractual necessity (e.g., account services)
Legal obligation (e.g., tax compliance)
Legitimate interest (e.g., product improvement, fraud prevention)

6. Data Sharing

We do not sell financial data. We share limited data with:

Service Providers: Hosting, analytics, AI insights, and support (e.g., AWS, OpenAI, Anthropic, OpenAI, Segment)
Payment Processors: Stripe, Apple, Google
Marketing & Attribution: Singular, Segment
Push Services: OneSignal
Subscription Management: RevenueCat
Analytics: Mixpanel, Segment
Legal: For law enforcement, compliance, or disputes
Business Transfers: In M&A or company restructuring events

7. Cookies & Tracking Technologies

We use:

Essential Cookies: Required for login and navigation
Functional Cookies: Save your preferences
Analytics Cookies: Understand usage trends
Advertising Cookies: Serve relevant ads (non-financial data)

Opt-out options:

In-app privacy controls
Web cookie settings
Browser tools
Global Privacy Control (GPC)

8. Data Retention

We retain data:

As long as your account is active
As required to fulfill business or legal obligations
For a limited period after deletion (for backups or dispute resolution)

You can request deletion at: info@finomini.com

9. Data Security

We implement:

TLS/SSL encryption in transit
Secure storage for sensitive data
Role-based access controls
Regular audits and vulnerability scanning
Data minimization before AI processing

10. Children’s Privacy

Our Services are not intended for individuals under 18. We do not knowingly collect data from minors. If discovered, we will promptly delete it.

11. Your Privacy Rights

You may have the right to:

Access your personal data
Correct inaccurate data
Request deletion
Object to or restrict processing
Opt-out of tracking and marketing

To exercise your rights: contact us at info@finomini.com

12. California Privacy Rights (CCPA/CPRA)

California residents may:

Know what categories of data we collect and how we use it
Request deletion or correction of their data
Opt-out of data sharing (e.g., via cookie banners)
Not face discrimination for exercising rights

We may offer rewards, which could be classified as "financial incentives" under CCPA. Participation is voluntary.

13. Updates to this Policy

We may update this Privacy Policy to reflect changes in technology, law, or services. Material changes will be communicated via:

Email
In-app notifications
Our website

14. Contact Us

Finomini, Inc. 1111B S Governors Ave STE 25847 Dover, DE, 19904, USA

Email: info@finomini.com