Privacy Policy
Effective Date: 26 March 2025
Financiv LTD (“Financiv”, “we”, “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and share your information when you use our website https://www.financiv.com and related services (the “Services”).
1. Information We Collect
Personal Information
- User-Provided Details:
- Username (or chosen display name) and email address.
- Manual bank account information and transactions entered by you.
- Categories, budgets, and any other financial settings you create.
Financial Data via Plaid
- Transactions:
- When you choose to sync your bank account through Plaid, we only store the transaction data provided by Plaid for the linked account.
- Note: Plaid manages and retains your bank login details. Please refer to Plaid’s own Privacy Policy for further details regarding their data practices.
Usage Data
- Analytics Information:
- Data about how you interact with our Services, collected by third-party providers (such as Poshug for analytics).
2. How We Use Your Data
- Service Delivery:
- To provide insights and personalized financial charts based on your transaction history.
- To display and manage your manually entered financial data.
- Content and Tools:
- To power our blog and deliver content relevant to your financial interests.
- Third-Party Integration:
- To facilitate bank account connections via Plaid and process payments through Paddle.
- Marketing:
- We do not use your financial data for marketing purposes.
3. Data Sharing
We share your data only with trusted third-party service providers who help us operate our Services:
- Plaid:
- Provides bank transaction data to generate personal finance insights.
- Paddle:
- Handles subscription payment processing.
- Poshug:
- Delivers analytics on user interactions with our website.
Each of these providers is required to adhere to appropriate data protection standards. For details on their policies, please refer to their respective privacy policies.
4. Data Storage & Security
- Storage:
- Your data is stored on industry-leading platforms (e.g., AWS with Neon) that ensure high levels of security.
- Security Measures:
- We employ industry-standard encryption and other security protocols to protect your data from unauthorized access.
- Data Retention:
- Your data is retained only for as long as necessary to provide the Services and to comply with legal obligations.
5. Your Rights Under GDPR
- Access, Correction, and Deletion:
- You have the right to access, update, correct, or delete your personal data through your account settings or by contacting us at [email protected].
- Other Rights:
- You may also have rights to restrict processing, object to processing, or data portability. For detailed information, please refer to our full GDPR compliance guidelines or contact us directly.
6. Data Transfers
- Transfers Outside the UK/EU:
- Some of your data may be transferred and stored in countries outside the UK/EU. In such cases, we ensure that appropriate safeguards are in place to protect your data according to GDPR standards.
7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website with an updated effective date. We encourage you to review this policy periodically.
8. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at: