Privacy Policy

1. Introduction

Coinly respects your privacy. This policy explains how we collect, use, and protect your personal data when you use our multi-asset finance management platform.

2. Information We Collect

• Account data: email address, name, and authentication credentials.
• Financial data: transactions, account balances, categories, and budgets you enter or sync through bank connections.
• Uploaded content: receipt images or documents you upload for AI scanning.
• Technical data: IP address, browser type, device information, and usage logs for security and performance.

3. How We Use Your Information

• To provide and maintain the service (processing transactions, generating reports, syncing bank data).
• To improve features and fix issues through analytics and error monitoring.
• To communicate with you about your account, security alerts, or service updates.
• To comply with legal obligations and prevent fraud.

4. Legal Basis

We process your data under the following legal bases: (a) performance of our contract with you, (b) legitimate interests (security, fraud prevention, product improvement), (c) your consent where required, and (d) compliance with legal obligations.

5. Data Sharing

We do not sell your personal data. We share it only with:

• Service providers: hosting, database, and AI-processing subcontractors bound by confidentiality.
• Banking partners: only as necessary to execute account connections you authorize.
• Legal authorities: when required by applicable law or valid legal process.

6. Data Retention

We retain your data for as long as your account is active or as needed to provide the service. After account deletion, we remove or anonymise personal data within 90 days, except where longer retention is required by law.

7. Your Rights

Depending on your jurisdiction, you may have rights to access, correct, delete, restrict processing of, or export your personal data. To exercise these rights, contact us at the email below.

8. Security

We use industry-standard measures including encryption in transit and at rest, access controls, and regular security reviews. However, no system is completely secure.

9. Cookies

We use essential cookies for authentication and session management. Optional analytics cookies help us improve the product. You can manage preferences in your browser settings. See our Cookie Policy.

10. Changes

We may update this policy periodically. We will notify you of material changes via email or through the app.

11. Contact

For privacy questions or data requests, email: privacy@coinlyfinance.com