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Privacy Policy

Last updated: April 2026

1. Who we are

Finance Analyzer ("we", "our", "us") is a personal finance analysis tool. We are operated by an individual developer. Contact: buchtosik@gmail.com

2. What data we collect

Anonymous users (free tier):
  • IP address and browser fingerprint (hashed, not stored in raw form) — used solely to enforce the one free analysis limit
  • Account owner name extracted from your bank statement — used solely to prevent multiple free analyses
  • We do NOT store the contents of your bank statement or transaction data
Registered users:
  • Name and email address provided via Google, GitHub, or magic link sign-in
  • Profile photo URL (from OAuth providers)
  • Subscription status
  • Analysis results — ONLY if you explicitly opt in to storage in your account settings. Off by default.

3. How we use your data

  • To provide the analysis service
  • To enforce free tier limits and prevent abuse
  • To manage your account and subscription
  • We never sell your data to third parties
  • We never use your financial data for advertising

4. Data storage

All data is stored in a secure SQLite database. Bank statement contents are processed in memory and immediately discarded — they are never written to disk unless you explicitly opt in to analysis history.

5. Third-party services

  • Google OAuth — for sign-in. Subject to Google's Privacy Policy.
  • GitHub OAuth — for sign-in. Subject to GitHub's Privacy Policy.
  • Anthropic / Google Gemini — AI models that process your bank statement text. Data is sent securely via API and not retained by us beyond the API call.
  • Stripe — for payment processing. We never see or store your card details.
  • Cloudflare Turnstile — for bot protection. Privacy-friendly, no ad tracking.

6. Your rights (GDPR)

If you are in the EU or Czech Republic, you have the right to:
  • Access — request a copy of your personal data
  • Deletion — delete your account and all associated data at any time from account settings
  • Portability — export your saved analyses as JSON
  • Withdraw consent — turn off analysis storage at any time
To exercise these rights, contact us at buchtosik@gmail.com

7. Cookies

We use session cookies for authentication only. No tracking cookies, no advertising cookies.

8. Data retention

Free tier usage records (IP fingerprint + account owner name) are retained for 12 months. Account data is retained until you delete your account. Saved analyses are deleted when you delete them or your account.

9. Changes

We may update this policy. We will notify registered users by email of material changes.

10. Contact

Questions? Email us at buchtosik@gmail.com