Privacy Policy

1. Who we are

FinGem-AI (https://fingem-ai.com) provides personal finance software for UK users. The authenticated product is served from https://app.fingem-ai.com.

2. Information we collect

• Account credentials and profile details you provide when signing in.
• Financial account metadata, balances, and transactions obtained through UK Open Banking with your explicit consent (Pro tier).
• Technical logs required to operate the API securely (for example request timestamps and error diagnostics). We do not log bank passwords, card numbers, or Gemini API keys in client-visible output.

3. How we use information

We use your data to display dashboards, sync connected institutions, process subscriptions, and improve product reliability. AI features, when enabled, process transaction context only to deliver the feature you requested.

4. Legal basis (UK GDPR)

Processing is based on contract performance (providing the service you signed up for), legitimate interests in securing our platform, and consent where required for Open Banking connections.

5. Sharing and processors

We use infrastructure and payment partners — including hosting providers, Stripe for billing, TrueLayer for regulated bank connectivity, and Google Gemini for AI workloads where enabled. Each processor is engaged under appropriate data protection terms.

6. Retention and security

We retain account and transaction data while your subscription is active and as required by law thereafter. Bank tokens are encrypted at rest. Access to production systems is restricted and audited.

7. Your rights

UK users may request access, correction, deletion, or portability of personal data, and may object to certain processing. Contact hello@fingem-ai.com to exercise these rights.

8. Changes

We may update this policy as features evolve. Material changes will be reflected on this page with an updated date.