Privacy Policy

This policy applies to the Finchie mobile app and any related services. Finchie is not linked to your bank accounts and does not request your online banking credentials. Information you choose to share with third-party services — for example, when you use the "Share" feature to post your portfolio card to Instagram, X, or TikTok — is governed by those platforms' own privacy policies, not this one.

We collect the following types of information:

• Account information — your email address and any name or profile details you provide when you create a Finchie account.
• Financial data you enter — expenses, categories, credit card spending records, billing reminders, receipt photos you choose to upload, and portfolio holdings (stocks, crypto, gold, and custom assets such as collectibles).
• AI chat data— questions you ask Finchie's AI assistant and the financial data used to generate answers, charts, and insights in response.
• Usage and device data — app interactions, device type, operating system version, and crash or diagnostic logs that help us fix bugs and improve the app.
• Analytics and diagnostic data — collected through third-party analytics services (such as PostHog or Mixpanel) to understand app usage, improve performance, and identify technical issues.

We do not collect your bank account credentials, card numbers, or directly link to your bank or e-wallet accounts.

We use the information we collect to:

• Provide core features such as the expense tracker, credit card tracker, and portfolio tracker
• Generate AI-powered insights, charts, and answers about your finances
• Send reminders, such as upcoming credit card billing due dates
• Maintain, secure, and improve the app
• Detect, prevent, and respond to fraud, abuse, or security issues
• Provide customer support and respond to your requests
• Comply with applicable legal obligations

We do not sell your personal information. We may share information only in the following situations:

• Service providers — trusted providers that host our infrastructure or process AI chat requests on our behalf, under confidentiality obligations
• Your own sharing actions — if you use the Share feature to post your portfolio card to a social platform, that share is initiated by you
• Legal requirements — if required to comply with a law, regulation, or valid legal request
• Business transfers — in connection with a merger, acquisition, or sale of assets, with notice to you where required

You can, at any time within the app:

• View, edit, or delete any expense, credit card record, or portfolio entry you've added
• Update your account and profile information
• Request a copy of your data or full account deletion by contacting us (see Section 12)

We retain your information for as long as your account is active or as needed to provide the app's features. If you delete your account, we delete or anonymize your personal data, except where we are required to retain certain information for legal, security, or fraud-prevention purposes.

We use reasonable technical and organizational measures, such as encryption in transit, to protect your information. No method of transmission or storage is completely secure, and you are responsible for keeping your account credentials confidential.

Finchie is intended for users aged 17 and above. We do not knowingly collect personal information from anyone under 17. If we become aware that we have collected information from a user under 17, we will delete that information and may terminate the associated account.

Finchie operates in Indonesia. Your information may be stored and processed on servers located outside Indonesia where our service providers operate. We take steps to ensure your information remains protected in line with this policy.

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. Continued use of Finchie after changes take effect means you accept the updated policy.

If you have questions about this Privacy Policy or how your data is handled, contact us at:

To request deletion of your account and associated data, email us at finchieapp@gmail.com with the subject line "Data Deletion Request" and include:

• The email address associated with your Finchie account
• Confirmation that you want your account and data permanently deleted

We will process your request and delete your account data within 30 days, except for information we are required to retain for legal or security purposes.

Finchie's AI assistant feature uses artificial intelligence to generate answers, insights, and charts based on your financial data. AI-generated responses are provided for informational and educational purposes only and should not be considered financial, investment, tax, legal, or professional advice. Users should independently verify information before making financial decisions.