Legal

Privacy Policy

Last updated: October 11, 2026

Summary: Using Finnex for free requires no account, and your financial data lives only on your device. If you choose Finnex Business (optional, paid), you sign in with Google or Apple and some data — your backup, your email, your subscription status — is stored on our servers so we can offer cross-device sync, reminders, and voice entry with AI. We never sell your information or use it for advertising.

1. Who we are

Finnex is a personal finance app, available as a progressive web app (PWA) and as an iPhone and Android app, with a free plan and an optional paid plan (Finnex Business). This policy describes what data we handle depending on which plan you use, and which providers we work with to offer each feature.

2. Free plan: everything stays on your device

If you don't sign in, Finnex does not collect, transmit, or store on external servers any personal data. Everything you enter — transactions, goals, debts, categories, settings — is stored exclusively in your browser's local storage (localStorage):

Never leaves your device
Is not synced with any server
Is not accessible by Finnex or third parties
Only you can view, export, or delete it

Important on iPhone/iPad: Safari may automatically clear a site's saved data if you go several weeks without opening it (this is an Apple privacy policy called Intelligent Tracking Prevention, not something we do). On the free plan, that means losing your data if you don't come back. We recommend exporting your data periodically, or activating Finnex Business for automatic cloud backup.

3. Account, sync, and what we store

If you create an account — to activate Finnex Business or to use a shared group — you sign in with your Google or Apple account via Supabase (our database and authentication provider). From that point, we store on their servers:

Your name, your email address (if you use Apple, it may be the private relay address Apple gives you), your Google profile photo if any, and a unique account identifier — provided by Google or Apple at sign-in
With Finnex Business: a backup of your financial data, so it can sync across your devices
Your subscription status (active plan, renewal date) — never your card details, see section 4

This data is protected with Row Level Security: technically, only your own account can read or write your row — not even another Finnex user can access it. You can sign out at any time and keep using the app locally, or delete your account (see section 11).

Shared groups

If you create a shared group or join one with an invite code, we store on our servers the group's name, the name and avatar you choose for yourself (if you leave it on, your Google account photo, which the other members will see; you can switch to an emoji at any time), and the shared expenses, payments, and goals you add there. That information is visible to the other people in the group, and only to them. Your personal finances are not shared.

4. Payments

Finnex Business subscription billing is processed by Mercado Pago. Finnex never sees or stores your card number or banking details — that stays entirely with Mercado Pago, under their own privacy policy. Of your subscription, we only store the identifier that lets us confirm whether it's active.

5. AI-powered expense entry

If you use the feature to log an expense by speaking or typing (available on Finnex Business), the text you enter is sent to the Gemini API (Google), together with the names of your categories and accounts, solely to interpret it and suggest the amount, category, date, whether it recurs, and the client. When you dictate, converting your voice to text is done by your own phone's speech recognition (Apple's on iPhone, Google's on Android) and Finnex only receives the text, never the audio. That text is processed to generate the response and is not retained by us beyond what's needed for that specific request. The suggested result is always shown to you for confirmation before saving — a transaction is never saved without your review.

6. Push notifications

If you enable the reminder to log your expenses, your browser generates a notification subscription (a technical identifier specific to your device) that we store so we can send you the alert at the time you choose. That subscription does not include your name or the content of your finances — the alert you receive is always the same generic text, generated on your own device. You can turn it off at any time from Settings.

Likewise, if you turn on the due-date alert for a debt, we store on our servers only a technical identifier for that debt and its due date, so we can notify you — never the person's name or the amount.

7. Passcode or Face ID lock

The app lock with PIN or biometrics is a 100% local feature, available on any plan. The code you choose is stored encrypted (hashed) only on your device, and Face ID / fingerprint verification is handled by your phone's own operating system; Finnex never receives your biometric information. None of this is sent to our servers or to any third party.

8. Data export

Finnex lets you export your data in CSV or JSON format at any time. These files are generated on your device and never pass through our servers, regardless of which plan you use.

9. Cookies and analytics

Finnex uses Google Analytics to measure visits and general site usage, through cookies that do not identify your name or financial information. We do not use advertising or cross-site tracking cookies. For more information, see our Cookie Policy.

10. Providers we work with

Depending on the plan you use, Finnex relies on these providers, each under their own privacy policy:

Netlify — hosts the site and runs the server-side functions
Supabase — database, authentication, and backup storage (Finnex Business)
Apple (Sign in with Apple) — sign-in with your Apple account and, on iPhone, speech recognition for dictation
Google (Sign-In, Gemini AI, Fonts, Analytics) — sign-in, AI text interpretation, site typeface, and usage statistics
Mercado Pago — subscription payment processing (Finnex Business)

The app also periodically checks for news to show in a banner, by querying a public Google Sheets spreadsheet that does not receive any data about you.

11. Your rights over your data

You can delete your account yourself at any time from the app: More → Settings → Your account → Delete my account. This permanently removes your account, your cloud backup, and your reminders, cancels your subscription if you have one, and deletes what you added in shared groups. If you need help, write to us at hola@finnex.site. If you use the free plan without an account, you already have full control: deleting the data from Settings, or simply clearing the site's data in your browser, removes everything immediately and permanently.

12. Minors

Finnex is not directed at children under 13. By using the app, you confirm that you are 13 years of age or older.

13. Changes to this policy

We may update this policy at any time. Any changes will be published on this page with the corresponding update date.

14. Contact

If you have questions about this privacy policy, you can write to us at: hola@finnex.site