Privacy Policy

Effective Date: 5/19/25

Last Updated: 8/11/25

Finiphi ("Company," "we," "us," or "our") respects your privacy and is committed to protecting the limited personal and financial information you share with us. This Privacy Policy explains what we collect, how we use it, how we share it, and what rights you have.

By using our platform, you agree to the practices described here. If you do not agree, please stop using our services.

1. Information We Collect

We collect only the information necessary to provide our budgeting and financial insights platform:

  • Personal Information: Name, email address, and phone number.
  • Financial Data: Transaction data and account balances.
  • Usage Data: Device type, browser type, IP address, and log data.
  • Cookies & Tracking Technologies: Session cookies, analytics cookies, and similar tools to enhance functionality.

Bank Connections via Plaid

  • Authentication is securely handled by Plaid.
  • We do not collect or store your bank login credentials or full account numbers.
  • We only receive transaction data, account balances, and account metadata (such as account name and type) that you explicitly authorize.
  • Your use of Plaid is subject to the Plaid End User Privacy Policy and you can manage connections via Plaid Portal.

2. How We Use Your Information

We use your information only for purposes directly related to providing and improving our services:

  • To operate and maintain the platform.
  • To personalize your experience and provide requested features.
  • To communicate with you about support, security alerts, and updates.
  • To detect, prevent, and address fraud or unauthorized access.
  • To comply with legal and regulatory obligations.

We do not sell your personal information to anyone.

3. How We Share Your Information

We share information only as reasonably necessary:

  • Service Providers: With trusted vendors who help operate our platform (e.g., Plaid, cloud hosting).
  • With Your Consent: When you request or authorize us to share information.
  • Legal Compliance: To comply with laws, regulations, subpoenas, or court orders.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets, in accordance with this Privacy Policy.

We require service providers to use reasonable safeguards and comply with applicable laws when handling your data.

4. Cookies & Tracking

We use cookies and similar technologies for authentication, security, and analytics. You can manage your preferences in your browser or in our Cookie Settings link. Blocking certain cookies may impact your experience.

5. Your Rights & Choices

Depending on your location (e.g., California, Virginia, Colorado), you may have the right to:

  • Access a copy of your data.
  • Request correction of inaccurate data.
  • Request deletion of your personal data (unless legally required to retain it).
  • Opt out of targeted advertising or data “sale”/“sharing” (we do not sell or share personal data for these purposes).

To exercise these rights, email admin@quantumlooplabs.com. We will verify your identity before fulfilling your request and respond within the timeframes required by law (typically 45 days). You may appeal a denial by replying to our decision email.

6. Data Retention

We retain personal and financial information only as long as necessary for the purposes described in this policy and to comply with legal obligations. For detailed retention periods and deletion methods, see our Data Retention & Disposal Policy.

7. Data Security

We use commercially reasonable measures to protect your information, including encryption in transit (TLS 1.2+) and at rest (AES-256), multi-factor authentication for administrative access, and least-privilege access controls. However, no method of transmission or storage is 100% secure. We are not liable for unauthorized access, disclosure, alteration, or destruction caused by circumstances beyond our reasonable control, such as third-party breaches or your failure to secure your credentials.

8. Children's Privacy

Our services are not intended for individuals under 18. We do not knowingly collect information from minors. If we discover that we have collected data from a minor, we will delete it promptly.

9. International Users

If you use our services from outside the United States, you consent to your information being transferred to and processed in the United States, which may have different data protection laws than your country.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be effective when posted with an updated “Last Updated” date. Continued use of our services after updates constitutes acceptance.

11. Contact Us

For questions about this Privacy Policy or our data practices, contact:
Email: admin@quantumlooplabs.com
Company: Finiphi – QuantumLoop Labs LLC

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