Privacy Policy

Last updated: December 2024

Our Commitment to Privacy

At Finora, privacy isn't just a feature—it's our fundamental principle. This privacy policy explains how we handle your data, which is designed to be as simple as possible: we don't collect, store, or process any of your personal or financial data on our servers.

TL;DR: All your financial data stays on your device. We never see it, store it, or have access to it. No accounts, no cloud sync, no tracking.

What Data We Collect

Personal and Financial Data: None

Finora is designed with privacy as the foundation. All your financial data including:

  • Account balances and transactions
  • Budget information and spending categories
  • Subscription details and payment information
  • Loan details and payment schedules
  • Financial goals and progress

This data is stored exclusively on your device using Apple's SwiftData framework and never leaves your device.

App Store Data

When you download Finora from the App Store, Apple may collect standard installation analytics (like download counts and crash reports) as part of their App Store analytics program. This data is managed entirely by Apple and is not accessible to us. You can opt out of sharing this data with developers in your iOS Settings.

How We Use Your Data

Since we don't collect any personal or financial data, we don't use your data in any way. Your financial information is processed entirely on your device by the Finora app to provide you with:

  • Account and transaction management
  • Budget tracking and spending insights
  • Financial health scoring and recommendations
  • Local notification reminders for subscriptions and bills

All processing happens locally on your device using your device's computing power.

Data Sharing and Third Parties

We do not share any data with third parties because we do not collect any data.

Finora does not integrate with:

  • Analytics services (no Google Analytics, Mixpanel, etc.)
  • Advertising networks
  • Banking APIs or financial data aggregators
  • Cloud storage services
  • Social media platforms

The app operates completely offline and makes no network requests to external servers.

Data Security

Your data security is ensured by the fact that your data never leaves your device:

  • Local Storage: All data is stored using Apple's SwiftData framework on your device
  • iOS Security: Your data benefits from iOS's built-in encryption and security features
  • No Network Access: The app doesn't make network requests, eliminating data transmission risks
  • Device Control: You have complete control over your data through iOS backup and restore features

Your Rights and Control

Since all your data stays on your device, you have complete control:

  • Data Access: All your data is accessible through the app interface
  • Data Deletion: Use the "Clear All Data" feature in Settings to permanently delete all data
  • Data Portability: Your data can be backed up through iOS device backups
  • No Account Deletion: Since there are no accounts, there's nothing to delete on our end

Local Notifications

Finora can send you local notifications (not push notifications) for:

  • Subscription renewal reminders
  • Budget warnings when you approach spending limits
  • Goal milestone achievements
  • Loan payment reminders

These notifications are generated and scheduled locally on your device. No notification data is sent to external servers.

Children's Privacy

Finora is designed for users who are 17+ as indicated in the App Store rating. Since we don't collect any data from any users, we don't collect data from children under 13 (or the applicable age in your jurisdiction).

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect app updates or legal requirements. Any changes will be posted on this page. Since our fundamental approach to privacy (local-only data storage) is unlikely to change, most updates will be minor clarifications or additions.

Contact Us

If you have questions about this privacy policy or Finora's privacy practices, you can contact us through the App Store review system or through the support channels listed in the app.

Since we don't collect your data, we cannot answer questions about specific data we might have about you—because we don't have any data about you.