Privacy

Privacy Policy

This policy describes how FinanceOS handles information when you use the web app. Last updated: 27 May 2026.

What FinanceOS is

FinanceOS is a modelling and visualisation tool focused on Australian PAYG, superannuation, and HELP/HECS contexts. It is not a bank, broker, accountant, tax agent, super fund, credit provider, or financial adviser. Numbers and charts are general information only.

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 PAYG + HELP model and 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. The in-app profile data controls can export workspace data and reset local or synced workspace data where available.

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 (Supabase) for sign-in, secure tokens, and stored user workspace rows where configured.
AI model provider (Anthropic/Claude) receives chat payloads needed to generate assistant replies when you use the assistant. Their privacy policy governs how they handle content sent to them.
Payments (Stripe) processes checkout, billing portal, payment metadata, and subscription status when billing features are used.
Hosting, analytics, and operations may include Vercel, Vercel Analytics/Speed Insights, optional PostHog product analytics, Upstash Redis for rate limiting, and a configured email provider for transactional email. Product analytics use event names and coarse properties rather than raw financial values or chat text.
Source links and public references: methodology and education pages may link to official or public sources such as the ATO, StudyAssist, provider policies, or payment-provider documents.

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, billing, security, or abuse-prevention reasons. Chat conversations may be stored in the app to show history and can be deleted where the app exposes deletion controls.

Your choices

Access or update profile details through the in-app profile and account settings where available.
Export workspace data from profile settings where available.
Reset local or synced workspace data from profile settings where available.
Request deletion of your account or cloud-stored workspace through account settings or by contacting hello@financeos.com.au.

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.

Questions? Contact hello@financeos.com.au. Terms of Use · Providers · Methodology · Cookie Policy

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 PAYG + HELP model and 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

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 (Supabase) for sign-in, secure tokens, and stored user workspace rows where configured.

AI model provider (Anthropic/Claude) receives chat payloads needed to generate assistant replies when you use the assistant. Their privacy policy governs how they handle content sent to them.

Payments (Stripe) processes checkout, billing portal, payment metadata, and subscription status when billing features are used.

Hosting, analytics, and operations may include Vercel, Vercel Analytics/Speed Insights, optional PostHog product analytics, Upstash Redis for rate limiting, and a configured email provider for transactional email. Product analytics use event names and coarse properties rather than raw financial values or chat text.

Source links and public references: methodology and education pages may link to official or public sources such as the ATO, StudyAssist, provider policies, or payment-provider documents.

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

Retention

Your choices

Access or update profile details through the in-app profile and account settings where available.

Export workspace data from profile settings where available.

Reset local or synced workspace data from profile settings where available.

Request deletion of your account or cloud-stored workspace through account settings or by contacting hello@financeos.com.au.