Privacy Policy

Last updated: March 2026

This Privacy Policy describes how Fintella Inc. ("we," "our," "us") collects, uses, shares, and protects your personal information when you use our services. We are committed to protecting your privacy and handling your data with transparency and care.

Our Core Principles

1. We never sell your data. Your information is not a product. We will never sell, rent, or trade your personal data to third parties for any purpose.

2. Your financial data is never used for advertising. We do not use your financial data for advertising, targeting, or profiling. We use limited analytics tools to understand website usage; these tools do not access your financial data.

3. No external monetization of your data. We make money only through the services you choose to purchase from us. Your data is used solely to provide and improve our services for you.

4. Data minimization. We collect only the information necessary to provide our services.

5. Your control. You can delete your data and account at any time. When you delete your account, we delete your personal and financial information.

These principles are not marketing promises — they are fundamental to how Fintella operates.

1. Information We Collect

We collect two distinct categories of information, which are treated differently:

Financial data (transactions, account metadata, and derived insights) is used solely to provide the Service. It is never used for advertising, profiling, or sale, and is never shared with analytics or advertising platforms.

Website and usage data (browsing behavior, device info, session data) is used to understand how the Service is used and to improve it. This data may be processed by third-party analytics tools.

Information You Provide Directly

  • Account Information: Email address and password when you create an account
  • Payment Information: Our payment processor collects billing details; we do not store complete credit card numbers on our servers
  • Communications: Messages you send to support or feedback channels

Financial Data (with your explicit consent)

  • Transaction Data: Details of transactions retrieved via secure integrations with your financial institutions
  • Account Metadata: Information about connected accounts such as account types and institution names
  • Derived Insights: Patterns and characteristics derived from analyzing your financial data to provide the Service

You control which accounts you connect and can disconnect them at any time in settings.

Technical and Usage Data

  • Device Information: Browser, OS, device identifiers
  • Usage Data: Pages visited, features used, session duration, click patterns
  • Log Data: IP address, access times, referring URLs
  • Cookies and Similar Technologies: Used to remember preferences and analyze usage. You can control cookies in your browser; blocking some cookies may limit functionality.

2. How We Use Your Information

Service Delivery

  • Provide, operate, and maintain the Service and its features
  • Generate personalized insights and deliver them through the Service
  • Manage subscriptions and billing (processed by our payment provider)

Communication

  • Service notifications, account updates, and security alerts
  • Support responses and important policy updates
  • (With consent) Marketing communications; you may opt out at any time

Service Improvement

  • Analyze usage to improve features and user experience
  • Research and development using anonymized, aggregated data
  • Test new functionality and fix technical issues

Security and Compliance

  • Detect, prevent, and respond to fraud, abuse, and security incidents
  • Enforce our Terms of Service
  • Comply with legal obligations and lawful requests

3. How We Share Your Information

We do not sell your personal information. Ever.

We may share limited information only in the following specific circumstances:

Service Providers

We work with trusted third-party providers who help us operate the Service. These include:

  • Financial Data Connectivity (e.g., Plaid): Retrieve transaction data from your financial institutions on our behalf. Your bank login credentials are handled by these partners and are not accessible to Fintella.
  • Payment Processing: Third-party payment processors handle billing. We do not store your complete payment card information.
  • Cloud Infrastructure: Secure hosting providers in the United States store encrypted data.
  • Analytics (e.g., Google Analytics): Help us understand website usage and improve the Service. These providers do not access your financial data.
  • Automated Processing: We may use third-party processing services to analyze financial data and generate insights. These providers receive only the data necessary for that purpose, with personal identifiers removed where possible. They are contractually prohibited from using it for any other purpose, including training machine learning models.
  • Email and Communications: Delivery services for notifications and support.

All service providers process data only on our behalf and are not permitted to use it for their own purposes.

Aggregated and Anonymized Data

We may use and share aggregated or anonymized data that does not identify you personally for research and product improvement. This data cannot be traced back to you.

Legal Requirements

We may disclose information if required by law or in response to valid legal processes, governmental requests, or to protect the rights, property, or safety of Fintella, our users, or the public.

Business Transfers

If Fintella is involved in a merger, acquisition, or sale of assets, your information may be transferred. We will notify you before your information becomes subject to a different privacy policy.

4. Data Security

We implement industry-standard measures to protect your information:

  • Encryption: Data is encrypted in transit using TLS/SSL and at rest using strong encryption
  • Access Controls: Only authorized personnel can access data on a need-to-know basis
  • Secure Infrastructure: We use reputable cloud providers in the United States with robust security certifications
  • Monitoring: We continuously monitor our systems for vulnerabilities and threats

No method of transmission or storage is completely secure. We cannot guarantee absolute security, but we will notify you in accordance with applicable law if we become aware of a breach involving your personal information.

5. Data Retention

  • Active Accounts: Your data is retained while your account is active
  • Deleted Accounts: Upon account deletion, we delete your personal and financial data, subject to legal, security, and operational retention requirements
  • Payment Records: Retained by our payment processor per their policies and applicable regulations; records are not associated with your identity after deletion
  • Legal Obligations: We may retain certain information as required by applicable law

After deletion, we may retain anonymized, aggregated data that does not identify you.

6. Your Rights and Choices

Access and Portability

Access your information in settings and request a portable copy of your data at any time.

Correction

Update your account details in settings or by contacting info@fintella.io.

Deletion

Delete your account through settings or by contacting info@fintella.io. We will confirm and complete deletion promptly.

Withdraw Consent

Disconnect financial accounts at any time to stop future data retrieval.

Marketing Communications

Opt out at any time via "unsubscribe" links or account settings. Service-related emails may still be sent.

Cookie Preferences

Manage cookies in your browser; disabling some may affect functionality.

7. California Privacy Rights (CCPA / CPRA)

California residents have the following rights under the California Consumer Privacy Act and California Privacy Rights Act:

  • Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected, the sources, the business purposes, and the categories of third parties with whom we share it
  • Right to Delete: Request deletion of your personal information, subject to certain legal exceptions
  • Right to Correct: Request correction of inaccurate personal information we hold about you
  • Right to Limit Use of Sensitive Information: Request that we limit the use of sensitive personal information to what is necessary to provide the Service
  • Right to Non-Discrimination: You will not receive discriminatory treatment for exercising any of these rights

We do not sell your personal information and have never done so. We do not share personal information for cross-context behavioral advertising.

To exercise your rights, contact us at info@fintella.io. We will respond to verifiable requests within 45 days. We may ask you to verify your identity before processing your request.

8. Children's Privacy

Fintella is intended for users 18 and older. We do not knowingly collect information from individuals under 18. Contact info@fintella.io if you believe we have collected information from a minor.

9. Privacy Signals

We recognize Global Privacy Control (GPC) signals where required by applicable law. Where a valid GPC signal is detected, we treat it as a request to opt out of the sale or sharing of personal information.

10. International Users

Fintella is intended for users in the United States. If you access the Service from outside the United States, your data will be transferred to and processed in the United States, where data protection laws may differ from those in your jurisdiction. By using the Service, you consent to this transfer and processing.

11. Changes to This Policy

We may update this Privacy Policy at any time. For material changes, we will notify you as required by applicable law — by email or prominent notice within the Service. Your continued use after the effective date constitutes acceptance.

12. Contact Us

Fintella Inc.
Email: info@fintella.io

By using Fintella, you acknowledge that you have read and agree to this Privacy Policy.