Fins

Privacy Policy

Effective November 6, 2026

Fin&s is a personal net worth and cash-flow app for iPhone, made by FIN&S LLC (“Fin&s”, “we”, “us”). This policy explains what information the app collects, why, where it is kept, and the choices you have.

Information we collect

When you sign in

You sign in with Apple or with Google. From the provider you choose we receive a unique account identifier and, if you allow it, your name and email address. With Sign in with Apple you can hide your email; we then receive a private relay address instead. We use this information only to identify your account and to contact you about it.

When you connect a financial account

Fin&s connects to banks, card issuers and investment providers through Plaid Inc. You enter your bank login in Plaid’s own screen; Plaid, not Fin&s, handles those credentials. With your permission, Plaid shares the following with us for each account you choose to connect:

• the institution, the account’s name, type and last four digits
• current and available balances, and credit limits
• transactions: date, amount, merchant or payee, category, merchant category code, and country where provided
• for investment accounts, the account value
• for credit card accounts, if you use features that need them: the interest rate (APR), minimum payment, statement balance, payment due date, and whether a payment is overdue

Plaid’s handling of your information is described in the Plaid End User Privacy Policy.

Information you enter

Accounts you add by hand and their balances, transactions you add, the date you mark an account closed, your answers to the setup questions (for example, what housing costs you each month), the credit cards you tell the app you hold, and the interest rates and minimum payments you enter for them.

Information that stays on your iPhone

• Front camera. If you turn on eye-based controls, the app uses the front camera through Apple’s face-tracking framework to work out where on the screen you are looking. This is processed on the device in real time. No image or video is recorded, stored, or sent anywhere.
• Settings and widgets. Your preferences, and the summary that your Home Screen and Lock Screen widgets display, are kept on the device.

How we use your information

Only to provide Fin&s to you:

• to show your balances, transactions and net worth, and keep a daily history of them
• to project your year, and to compare how your spending earns rewards on the cards you hold
• to keep your connections working and notify you when one needs attention
• to keep the service secure and fix problems
• to create de-identified, aggregated insights, as described below

We do not sell your information, share it for advertising, or use it to build profiles for anyone else.

De-identified and aggregated information

We may combine information from many users and remove anything that identifies them, to study personal finance trends, improve Fin&s, and publish research (for example, how average spending on groceries changed over a year). We may share or publish these aggregated results. They cannot reasonably be used to identify you: we do not try to re-identify anyone, and we require anyone we share them with not to try either. Information in this form is no longer personal information.

Card offers

Fin&s may show you credit card offers. If you tap one, you leave Fin&s for the card issuer’s website or a partner network that tracks the referral. They can see that you came from Fin&s, and if you apply or are approved, FIN&S LLC may earn a commission. We do not send them your balances, transactions or account details when you tap an offer. What you give the issuer when you apply is covered by the issuer’s own privacy policy.

Who we share it with

We share information only with the service providers that run Fin&s, and only what each one needs:

• Plaid, to connect your financial accounts and retrieve their data.
• Cloudflare, which hosts our servers and the database that stores your account data.
• Apple and Google, to sign you in.

Card issuers and referral partners see only that you followed an offer from Fin&s, as described under Card offers. Aggregated results contain no personal information.

We may also disclose information if the law requires it, or to protect the rights and safety of our users. If FIN&S LLC is ever merged or sold, your information would move only under a policy at least as protective as this one, and we would tell you first.

Information from Google

Fin&s’s use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. We receive only your Google account identifier, name and email address, and use them only to sign you in.

Where it’s kept and how it’s protected

• Everything travels over encrypted connections (HTTPS).
• The tokens that let us read your accounts from Plaid are encrypted before they are stored.
• Your sign-in session is stored on your iPhone in the Keychain. It is not included in device backups. Our servers keep only a one-way hash of it.
• Your data is kept in the United States.

No system is perfectly secure, but we limit what we keep and protect what we hold.

How long we keep it

We keep your information while your account is open, so the app can show your history. When you delete your account, we disconnect your linked institutions and delete your data from our servers within 30 days, except where the law requires us to keep something longer.

Your choices and rights

• Disconnect an account at any time in the app’s Settings.
• Delete your account in Settings; this deletes your data as described above.
• Turn off eye-based controls or the camera permission at any time in Settings.
• Ask for a copy of your information, or for a correction, by writing to us.

Depending on where you live, you may have further rights under local law. We will honor them, and we will not treat you differently for using them.

Children

Fin&s is meant for adults managing their own finances. It is not directed to children under 13, and we do not knowingly collect information from them.

Changes to this policy

If we change this policy, we will post the new version here with a new effective date. If a change is significant, we will also tell you in the app before it takes effect.

Contact us

Questions or requests: privacy@finands.com