Privacy Policy

Effective date: March 5, 2026

Finvut ("we", "our", or "us") is a personal finance application operated by Ravil Yahyayev. This Privacy Policy explains how we collect, use, and protect your information when you use the Finvut mobile application and related services.

1. Information We Collect

We collect the following types of information:

Account information — email address, name, and password (encrypted) when you create an account.
Financial data — transactions, account balances, budgets, savings goals, and categories that you manually enter into the app.
Usage data — app interactions such as features used, challenge participation, and onboarding progress.
Device information — device type, operating system version, and app version for troubleshooting purposes.

2. How We Use Your Information

To provide and maintain the Finvut service, including tracking your finances, budgets, and goals.
To power AI-assisted features such as transaction categorization and financial insights, using OpenAI's API.
To personalize your experience, including challenges, streaks, and gamification features.
To improve the app and fix issues.

3. Third-Party Services

We use the following third-party service:

OpenAI — to provide AI-powered features such as smart categorization and financial chat assistance. Transaction descriptions may be sent to OpenAI for processing. OpenAI's data usage policy applies to data processed through their API. We do not send your full financial history or personally identifiable information to OpenAI.

4. Data Storage and Security

Your data is stored on secure servers hosted by Hetzner in Europe.
All data is transmitted over HTTPS (encrypted in transit).
Passwords are hashed and never stored in plain text.
We implement industry-standard security measures to protect your data from unauthorized access.

5. Data Sharing

We do not sell, rent, or share your personal or financial data with third parties for marketing purposes. Data is only shared with third-party services as described in Section 3, solely to provide app functionality.

6. Data Retention

We retain your data for as long as your account is active. If you wish to have your data deleted, please contact us at the email below and we will process your request within 30 days.

7. Your Rights

You have the right to:

Access the personal data we hold about you.
Request correction of inaccurate data.
Request deletion of your data.
Withdraw consent for data processing at any time.

To exercise any of these rights, contact us at the email below.

8. Children's Privacy

Finvut is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of the app after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy, contact us at:

ravil.yahyayev@gmail.com