Last updated: June 28, 2025
At Finly, your privacy is our priority. This Privacy Policy explains how we collect, use, share, and protect your information when you use our services. Finly is your AI-driven finance companion—streamlining invoicing, payments, tax savings, and cash-flow insights for freelancers, gig workers, and creators.
1. Information We Collect
We collect information to help you manage your finances more efficiently and to deliver smarter insights. This includes:
a. Personal Information
- Name, email address, phone number, business type
- Profile preferences and account settings
b. Financial Information
- Bank account and transaction data (via secure third-party connections like Plaid)
- Payment details through Stripe, PayPal, or ACH
- Invoices, earnings, expenses, receipts, mileage logs, and tax-related data
c. Usage Data
- Device type, IP address, browser, and app interactions
- Feature usage, settings, and interaction logs
2. How We Use Your Information
We use your data to:
- Aggregate income from gig apps, banks, and marketplaces
- Auto-detect deductible expenses and estimate tax savings
- Help you create and send invoices with payment links
- Forecast cash flow and suggest financial strategies
- Provide tax-ready reports and quarterly reminders
- Improve features and troubleshoot technical issues
3. AI, Chat History, and Model Improvement
Finly includes AI-powered features like financial chat assistants, deduction suggestions, and tax optimization insights. Here's how we handle AI data:
a. AI Chat History
When you interact with Finly's AI (such as asking tax questions or getting deduction advice), your prompts and the AI's responses may be saved to:
- Provide continuity in your conversations
- Help us improve accuracy and user experience
- Detect and resolve issues with AI functionality
b. Model Training and Improvements
We do not use your identifiable personal or financial data to train third-party AI models.
Some data—like expense types or usage patterns—may be anonymized and aggregated to improve Finly's own systems, but it is never tied to you individually.
We may use anonymized, non-personal data to:
- Fine-tune deduction detection
- Train Finly's proprietary models to better support creators and freelancers
c. Your Choices
You have control over your data. You can:
- Opt out of storing AI chat history
- Delete prior interactions
- Request limits on personalized AI suggestions
4. Third-Party Services
We only share your data with trusted partners who help deliver Finly's core features:
- Plaid – for secure bank account and transaction access
- Stripe/PayPal – to send or receive payments
- Analytics providers – to understand app usage and improve performance
We do not sell your data to third parties.
5. Data Security
We take security seriously. Your data is protected with:
- Bank-level encryption (AES-256)
- OAuth and token-based API access
- PCI-compliant payment processing
- Role-based access control and regular audits
6. Your Privacy Controls
You can:
- Access or delete your account at any time
- Disconnect bank or payment accounts
- Download a copy of your data
- Adjust marketing and notification preferences
7. Children's Privacy
Finly is designed for users age 18 and older. We do not knowingly collect information from minors.
8. Changes to This Policy
We may update this Privacy Policy from time to time. If there are material changes, we'll notify you via app alerts or email.
9. Contact Us
Have questions or concerns? Reach out anytime: