Privacy Policy - Finfu AI

Effective Date: August 30, 2025
Last Updated: August 30, 2025

1. Introduction

Welcome to Finfu AI ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and related services (collectively, the "Service").

Finfu AI is a personal financial management application that helps users track their finances, manage accounts, create budgets, monitor transactions, and access AI-powered financial insights through subscription plans.

2. Information We Collect

2.1 Personal Information

• Account Information: First name, last name, email address, phone number
• Authentication Data: Username, encrypted passwords, verification codes
• Profile Information: User preferences, onboarding status, subscription details

2.2 Financial Information

• Account Data: Bank account names, account types (cash, debit, credit cards, mortgages, automotive loans, personal loans), account balances, account metadata
• Transaction Data: Transaction amounts, descriptions, dates, categories, tags, payment details (interest, capital, tax payments), recurring transaction patterns
• Budget Information: Budget names, amounts, categories, spending limits, usage tracking
• Credit Information: Credit limits, available credit, payment histories, loan balances, installment details

2.3 Subscription Information

• Payment Data: Subscription status, plan type (Essential/Intelligent), billing period (monthly/yearly), trial information
• App Store Data: Purchase receipts, product IDs, subscription validation data
• Usage Data: Feature access patterns, subscription validation timestamps

2.4 Technical Information

• Device Information: Device type, operating system, app version, unique device identifiers
• Usage Analytics: App interaction patterns, feature usage, session duration
• Log Data: Error logs, performance metrics, API calls

2.5 Automatically Collected Information

• App Usage: Pages visited, features used, time spent in app
• Performance Data: Crash reports, loading times, error messages

3. How We Use Your Information

3.1 Core App Functionality

• Provide personal financial management services
• Process and categorize financial transactions
• Calculate account balances and financial summaries
• Generate budget tracking and spending analysis
• Enable account linking and financial data synchronization

3.2 Subscription Management

• Process subscription purchases and renewals
• Validate App Store receipts and manage billing
• Provide access to premium features based on subscription status
• Manage free trial periods and subscription expiration

3.3 AI and Analytics Features

• Provide personalized financial insights and recommendations
• Analyze spending patterns and financial health
• Generate intelligent budget suggestions
• Offer predictive financial planning tools

3.4 Service Improvement

• Enhance app performance and user experience
• Develop new features and functionality
• Conduct analytics to improve our services
• Provide customer support and troubleshooting

3.5 Communication

• Send important account and subscription notifications
• Provide customer support responses
• Share product updates and feature announcements
• Send security alerts and verification codes

4. Information Sharing and Disclosure

4.1 We Do Not Sell Your Data

We do not sell, rent, or trade your personal or financial information to third parties for marketing purposes.

4.2 Service Providers

We may share information with trusted third-party service providers who assist us in:

• AWS (Amazon Web Services): Cloud hosting, data storage, and API services
• Apple App Store/Google Play Store: Subscription processing and receipt validation
• Analytics Providers: App performance monitoring and usage analytics

4.3 Legal Requirements

We may disclose information when required by law, court order, or to:

• Comply with legal obligations
• Protect our rights and property
• Prevent fraud or security threats
• Protect user safety

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, user information may be transferred as part of the business transaction.

5. Data Security

5.1 Security Measures

• Encryption: All data is encrypted in transit and at rest
• Authentication: Secure user authentication via AWS Cognito
• Access Controls: Strict access controls and user authentication requirements
• Regular Security Audits: Ongoing security assessments and improvements

5.2 Financial Data Protection

• Financial information is stored securely in encrypted databases
• Transaction data is protected with industry-standard security protocols
• Account information is isolated and access-controlled per user

6. Data Retention

• Account Data: Retained while your account is active and for a reasonable period after account closure
• Financial Data: Retained for up to 7 years for financial record-keeping purposes
• Transaction Data: Retained while account is active and for tax/legal compliance periods
• Subscription Data: Retained for billing and legal compliance purposes

7. Your Rights and Choices

7.1 Account Management

• Access and update your personal information through the app
• Modify financial accounts and transaction data
• Manage subscription preferences and billing information

7.2 Data Rights

• Access: Request copies of your personal data
• Correction: Update inaccurate or incomplete information
• Deletion: Request deletion of your account and associated data
• Portability: Request export of your financial data

7.3 Communication Preferences

• Opt out of non-essential communications
• Manage notification preferences within the app
• Control marketing communications

8. Children's Privacy

Finfu AI is not intended for users under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will take steps to delete such information.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

10. Third-Party Integrations

10.1 App Store Services

• Apple App Store and Google Play Store for subscription processing
• In-app purchase validation and receipt processing

10.2 AWS Services

• Amazon Cognito for user authentication
• AWS API Gateway for secure data transmission
• AWS cloud infrastructure for data storage and processing

11. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy in the app
• Sending email notifications for significant changes
• Updating the "Last Updated" date at the top of this policy

13. Contact Information

If you have questions about this Privacy Policy or our privacy practices, please contact us at:

Email: finfuapp@gmail.com