Privacy Policy

Kaine Ventures, LLC d/b/a Finances Tracker ("we", "us", or "our") respects your privacy and is committed to protecting your personal data. This privacy policy will inform you as to how we look after your personal data when you visit our website and use our application ("Finances Tracker").

1. Data We Collect

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data: includes first name, last name, username or similar identifier.
• Contact Data: includes email address.
• Financial Data: includes bank account balances, transaction history, and account identifiers accessed via our third-party providers. We do not store bank login credentials.
• Usage Data: includes information about how you use our website and application.

2. Bank Data Integration & Third Parties

Our service allows you to connect your bank accounts to analyze your finances. We use regulated Third Party Providers (TPPs) to access this data securely.

Enable Banking & Tink (Europe)

For European banking connections, we utilize Enable Banking and Tink. We act as a technical service provider for the user. When you connect a bank via these services, authentication is handled directly between you and your bank via the TPP's secure interface. We do not see or store your banking credentials (passwords, PINs).

Plaid (United States)

For United States banking connections, we use Plaid Inc. ("Plaid") to gather your data from financial institutions. By using our service, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid End User Privacy Policy.

3. How We Use Your Data

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• To provide the financial analytics, dashboarding, and categorization services you have requested.
• To categorize and enrich your transaction data using AI services (data is anonymized where possible).
• To comply with legal or regulatory obligations.

4. Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. We use industry-standard encryption (AES-256) for data at rest and TLS for data in transit.

5. Your Legal Rights

Under data protection laws (including GDPR and CCPA), you have rights in relation to your personal data, including the right to request access, correction, erasure, restriction, transfer, to object to processing, to portability of data, and (where the lawful ground of processing is consent) to withdraw consent.

6. Contact Us

Kaine Ventures, LLC is the controller and responsible for your personal data. If you have any questions about this privacy policy, please contact us at:

Email: hello@finances-tracker.com
Entity: Kaine Ventures, LLC
Jurisdiction: Texas, United States