Privacy Policy

How we collect, use, and protect your personal data.

_Version 1.0-beta — placeholder text for development. Replace with the final legal copy before launch._

1. Who We Are

Finance OS ("we", "us") is the data controller for the personal data processed through the Service. This policy explains what we collect, why, and your rights under the GDPR.

2. Data We Process

  • Account data — your email, username, and authentication metadata.
  • Profile & preferences — language, theme, and notification settings.
  • Financial records — the transactions, accounts, and reports you create.
  • Technical data — IP address and timestamps captured for security and audit.

3. Why We Process It

  1. To provide and operate the Service you have requested.
  2. To secure accounts and prevent abuse (legitimate interest).
  3. To comply with our legal and tax obligations.
  4. To send product or marketing updates only where you have opted in.

4. Legal Bases

We rely on contract (to deliver the Service), legitimate interest (security and product improvement), legal obligation, and consent (for marketing).

5. Retention

We keep personal data for as long as your account is active. When you delete your account, personal data is erased and audit references are anonymised, except where retention is legally required.

6. Your Rights

Under the GDPR you have the right to:

  • Access & portability — download a copy of your data at any time.
  • Rectification — correct inaccurate data from your profile settings.
  • Erasure — delete your account and personal data ("right to be forgotten").
  • Object & withdraw consent — opt out of marketing whenever you wish.

7. Sharing

We do not sell your personal data. We share it only with processors who help us run the Service, under contracts that require GDPR-level protection.

8. International Transfers

Where data is processed outside your region, we use appropriate safeguards such as Standard Contractual Clauses.

9. Security

We apply strict multi-tenant isolation, encryption in transit, and least-privilege access controls to protect your data.

10. Changes to This Policy

When we materially update this policy we will ask you to review and accept the new version before continuing to use the Service.

By checking the box below you confirm that you have read and agree to this Privacy Policy (version 1.0-beta).

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