Privacy Policy

What FinanceOS is

FinanceOS is a personal finance planning and visualisation tool focused on Australian contexts (for example salary packaging, superannuation, and HELP/HECS). It is not a bank, broker, accountant, or financial adviser. Numbers and charts are for your own planning unless we say otherwise.

Information we collect

Depending on how you use the app, we may process:

• Account and session data if you sign in: identifiers managed by our authentication provider (for example email address and user id), session tokens, and optional profile details you provide (such as a display name).
• Financial inputs you enter in the app, including salary and tax-related inputs, superannuation and HELP balance tracker entries, discretionary living expenses and budget amounts, chart layout preferences, and related fields. These may be stored on your device and, when you are signed in and cloud sync is configured, in our database as a structured record tied to your account.
• Chat messages and context when you use the in-app assistant: your messages, plus a limited "app snapshot" derived from saved inputs in this browser session, are sent to our servers and then to an AI model provider to generate replies.
• Technical data typical of web services, such as IP address and request metadata (for example when calling APIs or loading pages), used for security, rate limiting, and operations.

Local storage on your device

The app stores much of your workspace in your browser (for example via localStorage) so pages load quickly and work offline in the browser. If you share a device or browser profile, others with access to that device may be able to see that data. Signing out does not automatically erase all local data; you can clear site data in your browser settings if you need to remove it from the device.

How we use information

We use the above to:

• Provide, maintain, and improve the app and its features;
• Authenticate you and sync your saved workspace when cloud sync is enabled;
• Operate the AI assistant and enforce fair use (such as rate limits);
• Protect the service and investigate abuse or technical issues.

We do not sell your personal information. We do not use your data to advertise third-party products within this policy's ordinary meaning of "sale."

Third-party services

FinanceOS relies on providers that may process data on our behalf or under their own terms:

• Authentication and database (for example Supabase) for sign-in, secure tokens, and stored user workspace rows where configured.
• AI model provider (for example OpenAI) receives chat payloads needed to generate assistant replies. Their privacy policy governs how they handle content sent to them.
• Market data: where the app shows live or delayed quotes, our backend may request public market data from third-party sources; those requests typically include a symbol or ticker rather than your personal financial ledger.

Those providers may operate in countries other than Australia. By using the features that depend on them, you acknowledge that cross-border processing may occur as permitted by applicable law.

Security

We design the service to use industry-standard practices such as encrypted transport (HTTPS), authenticated access where appropriate, and database access controls for cloud-stored workspaces. No method of transmission or storage is completely secure; you use the service at your own risk as further described in the Terms.

Retention

We keep account and synced workspace data for as long as your account exists and we operate the service, unless we must retain certain records for legal or security reasons. Chat conversations are processed for each request; we do not describe long-term archival of full chat transcripts here unless your deployment operator publishes a separate retention notice.

Your choices

• Access or update profile details through the in-app profile and account settings where available.
• Sign out on shared devices; clear browser site data to remove local workspace copies.
• Request deletion of your account or cloud-stored workspace through account or deployment settings where your operator provides them; for self-hosted deployments, whoever runs the app and database sets retention and deletion options.

Children

FinanceOS is not directed at children under 16. We do not knowingly collect personal information from children under 16. If you believe we have collected such information, use the account or deletion tools your deployment makes available, or clear site data and sign out on your device.

Changes to this policy

We may update this page from time to time. The "Last updated" date at the top will change when we do. Continued use of the app after changes means you accept the updated policy.

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