Privacy Policy

Finesse Finance ("Finesse," "we," "us," or "our") provides a personal-finance application and related website services. This policy explains what information we collect, why we use it, who processes it, and the choices available to you. We do not sell personal information, use financial information for advertising, or run cross-app advertising trackers.

01Information we collect

Account and profile information

We collect the email address and display name associated with your account. If you use Apple or Google sign-in, we receive the identifier and profile details that provider makes available under your choices. We also collect the financial preferences you choose to provide, including an optional monthly income estimate, monthly savings goal, age range, state or region, household size and setup, housing status, annual household-income range, financial goal, spending limits, alert frequency, and update preference.

Finesse does not request or use a phone number, exact birth date or year, or gender through onboarding or Profile. On September 7, 2026, Finesse permanently deleted all previously stored values in those legacy profile fields and in a separate legacy state field, then removed the corresponding database columns. The optional current state or region preference described above is stored separately and was not part of that deletion. The deleted legacy fields are not used for personalization, benchmarks, analytics, or marketing.

Linked financial information

When you connect an institution, Plaid retrieves and transmits account and transaction information to Finesse. That information can include institution and account names, account type, masked account details, balances, credit limits, transaction amount and date, merchant or description, category, payment channel, pending status, and merchant-location data. Finesse also stores derived data such as recurring transactions, budgets, daily totals, forecasts, and insights.

You may also add assets or liabilities manually for net-worth tracking. Those entries can include the item's name and value, institution, and optional details such as a property address, vehicle make and model, loan terms, ownership percentage, or wallet/platform name.

We never receive your bank username or password. Those credentials are entered in Plaid's interface and are not visible to Finesse.

Purchases, notifications, and communications

Apple processes subscription payments. RevenueCat provides Finesse with subscription and entitlement status; Finesse does not receive your full payment card details. If you enable notifications, we store the APNs token required to deliver them. If you contact support, we retain the message and contact details you provide as needed to respond.

Face ID and Touch ID matching occurs on your device. Finesse does not receive or store biometric templates.

Technical and usage information

When you use Finesse, we and our service providers may process technical data needed to operate, protect, and improve the service. This can include IP address, device and app identifiers, app version, sign-in and feature-use events, and diagnostic or security logs. If you choose Google Sign-In, Google may also process coarse location, device identifiers, and usage data for app functionality and analytics. Finesse does not use this information for cross-app tracking or targeted advertising.

Product analytics

We use PostHog, hosted in the United States, to understand feature use, onboarding completion, bank-connection setup reliability, subscription performance, and return visits. Product analytics is optional and off by default. We begin collection only after you choose to enable it during onboarding or under Profile → Privacy → Share app analytics, and that choice has been saved to your account. You can use all app features and subscriptions without enabling analytics.

When enabled, analytics may include your internal account ID, installation and session identifiers, app and operating-system versions, screen and step names, event times, feature-use events, setup durations, subscription status, and predefined outcome codes. Selected RevenueCat subscription events are forwarded through our servers only while your recorded analytics consent is active. These include purchases, trials, renewals, cancellations, subscription product identifiers, billing periods, purchase platform, and Finesse subscription purchase amounts. We do not forward purchase transaction identifiers or subscriber contact information to PostHog.

We do not send your name, email address, bank balances, linked-bank transaction details, merchant names, income, financial goals, authentication secrets, notification contents, or form answers to PostHog. Session recording, automatic interaction capture, surveys, and automatic crash capture are disabled. IP-based geolocation enrichment is disabled, although service providers receive network connection information when processing requests. We do not use this analytics for targeted advertising or cross-app tracking.

We save your analytics choice, the time it is recorded, and the version of the analytics explanation associated with that choice. You may withdraw consent at any time using the Profile toggle. Turning it off stops app analytics on that device immediately and stops subscription-event forwarding once the choice reaches our servers. Offline choices are retained and retried; the app shows a notice when a save fails. Other devices apply your choice when they next synchronize. Events already transmitted cannot be recalled. Events from before your opt-in are not collected retroactively.

02How we use information

We use information to authenticate accounts; synchronize and display financial activity; generate budgets, forecasts, alerts, and explanations; identify recurring activity; operate subscriptions and notifications; provide support; secure and debug the service; and meet legal obligations.

Some insight, budget-suggestion, and notification text is produced using Vercel AI Gateway, which currently routes requests to Google Gemini and may fall back to OpenAI. The selected context sent for this purpose can include transaction amounts, merchant or category labels, dates, budget amounts, and derived spending trends. We do not intentionally include your name, email address, bank-login credentials, account or routing numbers, Plaid access tokens, or authentication secrets in these prompts.

03Optional peer benchmarks

Peer benchmarking is optional and off by default. Finesse stores the comparison profile you provide, your benchmark consent choice, the time of an active opt-in, and the consent-text version. No peer-benchmark dataset is currently produced or shown.

Before peer benchmarks are activated, Finesse will limit results to normalized, aggregate statistics for sufficiently large groups. Other users will not see your identity, accounts, balances, transactions, merchants, or exact dollar amounts. You can withdraw consent from Profile; doing so clears the active consent timestamp and version. We will update this policy before materially changing this use.

04Service providers and disclosure

Service providers process information for the purposes described in this policy. These providers include Plaid for bank connectivity; Supabase for authentication, database, and serverless services; Apple and RevenueCat for purchases; PostHog for product and subscription analytics; Apple for push delivery; Google and Apple for optional sign-in; and Vercel, Google, and OpenAI for limited AI-generated insight and notification copy. Providers may process information in the United States or other locations where they operate.

We may also disclose information when legally required, to protect users and the service, in connection with a business transfer subject to this policy, or at your direction. We do not sell personal information or share it for cross-context behavioral advertising.

05Retention and deletion

We retain account and financial information while your account is active and as needed to provide the service. Disconnecting an institution removes its active connection and associated data through the app's unlinking process. Deleting your account initiates removal of your profile, linked financial records, derived records, device tokens, and authentication account, subject to limited retention required for legal, tax, security, or dispute-resolution purposes.

Benchmark-consent records are retained with your account so we can honor and audit your choice. Turning participation off clears the active opt-in timestamp and consent version. Notification tokens are retained only as needed to deliver enabled notifications and are removed when invalid or when your account is deleted.

Signing out stops app analytics on that device but does not change your account's subscription-analytics preference. Turning analytics off, signing out, or deleting your Finesse account does not automatically erase previously collected PostHog records. To request deletion of analytics linked to your account, contact support@finessefinance.us. These requests are handled separately from the app's account-deletion process. Analytics preference records are removed with your authentication account.

Aggregated or de-identified information that cannot reasonably be linked back to you may be retained. You may request access, correction, deletion, or portability, and may withdraw optional consent where applicable.

06Security and international processing

Finesse uses encryption in transit and at rest, row-level access controls, and on-device privacy protections. No security method is perfect. Finesse operates from the United States, and information may be processed and stored there.

07Children

Finesse is intended for people 18 and older and is not directed to children.

08Changes and contact

We may update this policy as the service changes. Material changes will be identified by a revised date and, when appropriate, an in-app or email notice.

To exercise a privacy choice or ask a question, contact support@finessefinance.us.

Finesse Finance · Virginia, United States