Privacy & Cookie Policy

Last updated: July 16, 2025

1. Who we are

This application is a personal finance tool designed to help you manage your transactions, budgets, and financial analytics. The website is hosted on Vercel, and all data processing is performed by our own infrastructure.

2. What data we collect and why

🔐 Account & authentication

When you sign up or log in, we store your authentication session using cookies. This is necessary to keep you logged in and secure your account.

🏦 Open banking & financial data

If you connect your bank accounts, we store your transaction data to provide: budgeting, recurrence detection, and data visualizations. Only you can see your connected data. Even if someone knows your account ID, they cannot access your data.

📊 Data analysis

All data analysis runs on first-party code. We do not use third-party AI services such as OpenAI, Anthropic, or external ML APIs on your financial data.

3. Cookies we use

We use only essential cookies:

Cookie NamePurposeExpiryRequired?
authjsKeeps you logged inSession✅ Yes
ticket_idStores your open support ticket ID~30 days✅ Yes
votedPrevents multiple votes~30 days✅ Yes

These cookies are necessary to provide features you explicitly request. Because they are strictly functional, they do not require consent under GDPR/ePrivacy. However, we believe in transparency, so we inform you here.

4. How we store and protect your data

Data is stored securely and accessible only to your account. We use HTTPS encryption and best practices to keep your data safe. Zero-knowledge encryption may be available for sensitive data.

5. Sharing your data

We do not share or sell your data to third parties. We also do not use external analytics tools or marketing trackers.

6. Your rights

You can access, correct, or delete your data anytime from your account settings, or by contacting us. Depending on your jurisdiction (like the EU), you may have additional rights.

7. Contact

If you have questions or wish to exercise your rights, email us at support@yourdomain.com.

8. Changes to this policy

We may update this policy occasionally. If there are significant changes, we will notify you by email or in-app.

✅ Summary

We use only essential cookies, never share your data, and give you full control over your personal financial information.