fAInance Privacy Policy

Last updated: 11/07/2026

This Privacy Policy describes what data may be collected and processed by fAInance, the purposes for which it is used, which third-party services may be involved, and the rights granted to the user.

1. Data Controller

The data controller is:

Davide Urso
Email: davideurso87@gmail.com

2. Data Processed by fAInance

fAInance may process data voluntarily entered by the user in the app, including:

  • income and expenses;
  • expense and income categories;
  • payment methods;
  • recurring transactions;
  • budgets, alerts, and spending limits;
  • assets, savings goals, and financial summaries;
  • Share projects and shared expenses;
  • debts and credits;
  • shopping lists, loyalty cards, and data related to the app sections;
  • notes, uploaded documents, and bank details voluntarily saved by the user;
  • app preferences, settings, language, currency, theme, and widget configurations.

The user freely decides which data to enter, modify, or delete within the app.

3. Account and Login

If the user logs in using email and password, Google, or Apple, fAInance may process the data required for authentication, including:

  • user identifier;
  • email address;
  • profile name, if provided by the login service;
  • technical information required to keep the user logged in.

Authentication may be managed through Firebase Authentication and through the login services provided by Google and Apple.

4. Storage, Synchronization, and Backup

App data may be stored locally on the user’s device.

For authenticated users, some data may be synchronized through Firebase / Firestore in order to allow:

  • backup of data linked to the account;
  • data recovery when changing device;
  • synchronization of information across sessions and devices;
  • preservation of the user’s personal app settings.

The user is responsible for the accuracy of the data entered and for performing periodic backups before updates, reinstallations, device changes, or important modifications.

5. Use of the AI Advisor

fAInance includes an AI Advisor that can help the user read and interpret the data entered in the app, such as income, expenses, budgets, categories, goals, alerts, assets, and financial summaries.

Before using the external AI Advisor, the app asks for explicit consent. If the user does not grant consent, data is not sent to the external AI service and the user can continue using the other features of the app.

When the user uses the AI Advisor and grants consent, fAInance may send the following data, required to generate the response, to the secure fAInance backend and to the external AI provider OpenAI:

  • the question written by the user in the AI chat;
  • the language selected in the app;
  • the AI analysis level chosen by the user;
  • financial summaries, budgets, categories, recurring transactions, goals, alerts, and aggregated data;
  • if the user chooses full analysis, also essential transactions, such as date, amount, category, payment method or income type, and description.

This data is used exclusively to generate the AI Advisor response and provide app functionality.

fAInance does not send the following data to the external AI Advisor:

  • passwords;
  • CVV codes;
  • biometric data;
  • uploaded documents;
  • images or photos;
  • full credit card data;
  • loyalty cards;
  • access codes or credentials.

The external AI provider used by fAInance is OpenAI. Data is shared only to the extent necessary to generate the response requested by the user. The third parties involved are required to apply appropriate data protection measures compatible with the purposes described in this Privacy Policy.

6. Purposes of Processing

Data is processed for the following purposes:

  • to allow the recording and management of income and expenses;
  • to display statistics, charts, summaries, and financial analyses;
  • to manage budgets, alerts, goals, assets, debts, credits, and Share projects;
  • to save notes, documents, and information entered by the user;
  • to synchronize and recover data linked to the account;
  • to provide responses through the AI Advisor, subject to the user’s consent;
  • to manage subscriptions, plans, and in-app purchases;
  • to improve the stability, security, and technical operation of the app;
  • to display advertising in the free version, where applicable.

7. Purchases and Subscriptions

Purchases and subscriptions available in the app are managed through the official stores of the device:

  • App Store for Apple devices;
  • Google Play for Android devices.

fAInance may receive technical information related to the subscription status, active plan, and purchase validity in order to unlock the features included in the plan chosen by the user.

Payments are managed by the official stores and not directly by fAInance.

8. Advertising and Usage Data

The free version of the app may include advertising. Advertising or measurement services that may be integrated into the app may process technical data, device identifiers, or usage data according to their own privacy rules and based on the consents provided by the user.

The user can manage advertising preferences and available consents through the device settings and, where applicable, through the consent screens shown by the app or by the services used.

9. Third-Party Services

To provide its features, fAInance may use third-party technical services, including:

  • Firebase Authentication, for login and authentication;
  • Firestore / Firebase, for account data storage, synchronization, and backup;
  • Google and Apple, for account login and purchase management;
  • App Store and Google Play, for subscriptions and in-app purchases;
  • OpenAI, through the fAInance backend, to generate AI Advisor responses;
  • advertising or measurement services, if present in the free version of the app.

Each service processes data according to its own technical and privacy rules. fAInance uses these services only to provide the app’s features, manage accounts, backups, security, subscriptions, advertising, technical statistics, and AI responses.

10. Particularly Sensitive Data

The user may voluntarily decide to save personal or financial information in the app, such as bank details, notes, documents, or data related to their financial situation.

Before entering or uploading sensitive data, the user should assess whether such information is necessary for their personal use of the app.

fAInance does not request or save credit card CVV codes.

11. Data Retention

Data is retained for as long as necessary to provide the app’s features and for as long as the user keeps their account or saved data active.

The user can delete specific data directly from the app, delete sections, or remove saved information.

Some data may temporarily remain in backups, technical caches, or synchronization systems until the normal update and deletion times of the services used.

12. Data Deletion

The app includes features to delete data by section or remove saved information.

For requests related to account deletion or deletion of associated data, the user can contact the data controller at:

davideurso87@gmail.com

13. Security

fAInance adopts reasonable technical and organizational measures to protect the data processed through the app and connected services.

However, no IT system can guarantee absolute security. The user should protect their credentials, keep their device updated, and use secure passwords.

14. User Rights

The user may request, within the limits provided by applicable law:

  • access to their data;
  • correction of inaccurate data;
  • deletion of data;
  • restriction of processing;
  • objection to processing;
  • data portability, where applicable;
  • withdrawal of consent, where processing is based on consent.

To exercise these rights, the user can write to:

davideurso87@gmail.com

15. Withdrawal of AI Consent

The user can refuse consent for the use of the external AI Advisor. In this case, data is not sent to the external AI service and the user can continue using the other features of the app.

If the app provides a function to manage or reset AI consent in the settings, the user can change their choice directly from the app.

16. Minors

fAInance is not specifically intended for minors. The app is designed for personal finance management by users who can legally use digital services, accounts, and subscriptions according to the rules of their country and the official stores.

17. Updates to This Privacy Policy

This Privacy Policy may be updated in the event of changes to the app’s features, technical services used, synchronization methods, subscriptions, advertising, or use of the AI Advisor.

In case of significant changes, the user may be informed through an app update, internal screen, web page, or other appropriate means.

18. Contact

For any questions regarding this Privacy Policy or data processing, please contact:

Davide Urso
Email: davideurso87@gmail.com