Privacy Policy

Last updated: March 25, 2026

FINO (“we”, “us”) respects your privacy. This policy explains how we collect, use, and protect your personal information when you use the FINO app and website.

1. Information We Collect

We collect: account info (email, name, profile picture), expense data (amounts, descriptions, dates, categories, group membership), device info (type, OS, app version), and photos only when you choose to scan a receipt.

2. How We Use Your Information

We use your information to provide and improve FINO — calculating balances, generating settlements, sending notifications about group activity, and anonymized analytics.

3. Data Sharing

We do not sell, rent, or share your personal data with third parties for marketing. Expense data is shared only with members of your groups within the app.

4. Data Security

All data is encrypted in transit (TLS 1.3) and at rest (AES-256). Access to production data is restricted to authorized personnel only.

5. Data Retention

Your data is retained as long as your account is active. You can delete your account and all data at any time from app settings. Deleted data is permanently removed within 30 days.

6. Your Rights

You have the right to access, correct, export, and delete your personal data via app settings or by contacting [email protected].

7. Cookies

Our website uses essential cookies for functionality. We do not use advertising cookies. See our Cookie Policy for details.

8. Children's Privacy

FINO is not intended for children under 13. We do not knowingly collect information from children.

9. Changes

We may update this policy. We will notify you of significant changes through the app or by email.

10. Contact

Questions? Contact us at [email protected].