FinFloe Inc. — Mobile App Privacy Policy

Last updated: May 24, 2026

Introduction

This Privacy Policy describes how FinFloe Inc. ("FinFloe," "we," "us," or "our") collects, uses, and shares your personal information when you use our mobile application ("App" or "FinFloe App") available on iOS (Apple App Store) and Android (Google Play Store).

This policy applies only to our mobile App. For our website privacy practices, see our separate Website Privacy Policy.

By using the FinFloe App, you agree to the collection and use of information as described in this Privacy Policy. If you do not agree, please do not use the App.

Questions or concerns? Contact us at:
- Privacy: privacy@finfloe.com
- Support: support@finfloe.com
- Mail: FinFloe Inc., 300 McNicoll Ave., North York, Ontario M2H 2C7, Canada

Table of Contents

  1. Summary of Key Points
  2. What Information We Collect
  3. How We Use Your Information
  4. Legal Basis for Processing (Canada)
  5. How We Share Your Information
  6. Artificial Intelligence (AI) Features
  7. Cookies and Tracking Technologies
  8. Affiliate Marketing and Financial Product Offers
  9. Data Retention
  10. Data Security
  11. Children's Privacy
  12. Your Privacy Rights
  13. Do Not Track
  14. U.S. State Privacy Rights
  15. International Data Transfers
  16. Changes to This Policy
  17. Contact Us

Summary of Key Points

What personal information do we collect?
We collect personal information you provide (name, email, financial data you manually enter) and information automatically collected (device data, usage analytics, general location).

Do we process sensitive information?
Yes. We process financial data (income, expenses, bills, account information) that you manually input. We also collect general location data to prevent abuse and improve services.

Do we collect information from third parties?
No. We do not connect to your bank accounts or collect data from third-party services. All financial information is manually entered by you.

How do we use your information?
We use your information to provide our financial management services, generate AI-powered insights for Plus tier users (AI Chat and Monthly Reports), improve the FinFloe mobile app, communicate with you, and — in the future — show general (non-targeted) affiliate offers for financial products.

When and with whom do we share your information?
We share information with service providers (cloud hosting, analytics, AI processing, payment processing) and as required by law. We may, in the future, share limited anonymised marketing data with advertising platforms to promote the FinFloe mobile app — see Section 5 for the scope. We do not sell your personal information to data brokers, and we never share your in-app financial data with advertisers.

How do we keep your information safe?
We use encryption, secure cloud infrastructure, and industry-standard security practices. However, no system is 100% secure.

What are your rights?
Depending on where you live, you may have rights to access, correct, or delete your information, opt out of marketing, and more.

How do you exercise your rights?
Contact us at privacy@finfloe.com or support@finfloe.com.

What Information We Collect

1. Information You Provide to Us

Account Information:

  • First and last name
  • Email address (used as your account identifier)
  • Password (securely hashed; never stored in plain text)

Financial Information (Manually Entered by You):

Important: We do NOT connect to your bank accounts or use services like Plaid. You manually enter all financial data.

  • Account names (e.g., "Chase Checking," "TD Savings") – NO account numbers or routing numbers
  • Account balances (updated manually by you)
  • Income information (salary, side income, etc.)
  • Expense data (spending categories, amounts)
  • Bills and recurring payments (name, amount, due date)
  • Payment information (for tracking, not for actual payment processing)
  • Financial goals (savings targets, budget goals)

Payment Information (for App Subscription):

  • Processed by Apple App Store (iOS) or Google Play Store (Android)
  • We do NOT directly collect or store your credit card information
  • Subscription management is handled by our subscription management provider (see Third-Party Services below).

Support Communications:

  • If you contact us for support, we collect your email address and the content of your messages

2. Information Collected Automatically

Device Information:

  • Device type and model (e.g., iPhone 14, Samsung Galaxy S23)
  • Operating system and version (e.g., iOS 17, Android 14)
  • Anonymous device identifier (for authentication and fraud prevention only)
  • Mobile app version

The FinFloe mobile app does not collect advertising identifiers (such as Apple IDFA or Google Advertising ID) and does not collect your mobile carrier name. The mobile app contains no advertising or attribution SDKs.

Usage Data:

  • Features you use within the App
  • Time spent on different screens
  • Frequency of App usage
  • In-app actions (e.g., adding an expense, updating a balance)
  • Crash reports and error logs

Location Data:

  • General location (city/region level) derived from IP address
  • Purpose: Prevent abuse, fraud detection, and localize services
  • We do NOT collect precise GPS coordinates or continuous location tracking

Analytics and Performance:

  • We use a usage analytics provider to understand mobile app performance and user behaviour.

3. Information We Do NOT Collect

  • Bank account numbers, routing numbers, or banking login credentials — the FinFloe mobile app does not connect to any bank.
  • Credit card numbers — subscription payments are handled by the Apple App Store or Google Play Store.
  • Advertising identifiers (Apple IDFA, Google Advertising ID) — the FinFloe mobile app does not contain advertising or attribution SDKs.
  • Mobile carrier name.
  • Phone number.
  • Date of birth.
  • Social Security Numbers (SSN) or Social Insurance Numbers (SIN).
  • Race, ethnicity, religion, or political views.
  • Biometric data — Face ID, Touch ID, and fingerprint data stay on your device. We do not have access to them.
  • Gender or marital status.
  • Precise GPS location.

HOW WE USE YOUR INFORMATION

We use your personal information for the following purposes:

Core App Functions

  1. Account Management: Create and manage your user account, authenticate your identity
  2. Service Delivery: Provide financial tracking, budgeting, and management features
  3. AI Insights (Plus tier): Analyze your financial data to provide personalized insights, spending patterns, budget recommendations, and forecasts

Communication

  1. Customer Support: Respond to your inquiries and provide technical assistance
  2. Service Notifications: Send important updates about your account, App changes, or service disruptions (via email or push notifications, once implemented)
  3. Marketing Communications (Forward-looking): We may, in the future, send promotional emails about FinFloe mobile app features, upgrades, or partner offers. You will be able to opt out at any time.

Product Improvement

  1. Analytics: Understand how users interact with the App to improve features and user experience
  2. Testing: Conduct A/B tests and beta testing for new features
  3. Bug Fixes: Identify and resolve technical issues

Affiliate Offers

  1. Financial Product Recommendations: Show you general (non-targeted) credit card and financial product offers from our affiliate partners (you may earn rewards; we may earn commissions)

Security and Compliance

  1. Fraud Prevention: Detect and prevent fraudulent activity, abuse, or unauthorized access
  2. Legal Compliance: Comply with applicable laws, regulations, and legal processes

Marketing and Advertising (External)

  1. Audience Building (Forward-looking): We may, in the future, share limited anonymised or aggregated marketing data with advertising platforms (such as Meta, Google, TikTok, LinkedIn, Reddit, or Twitter/X) to create "lookalike audiences" and reach potential new users. At the time this policy was last updated, no advertising-platform integrations were live.
  2. Retargeting (Forward-looking, website only): If retargeting is implemented, FinFloe ads may be shown to people who have visited the FinFloe website. The FinFloe mobile app itself does not run advertising-tracking SDKs, so retargeting based on in-app behaviour cannot occur.

For Canadian Users (PIPEDA Compliance):

We process your personal information based on:

  1. Your Consent (Express or Implied):
    • By using the App and providing information, you consent to our data practices
    • You can withdraw consent at any time by deleting your account or contacting us
  2. Contractual Necessity:
    • We need your information to provide the App services you've subscribed to
  3. Legitimate Business Interests:
    • Improving our App, preventing fraud, and marketing our services
  4. Legal Obligations:
    • Complying with tax, accounting, and other legal requirements

Sensitive Information: Financial data is considered sensitive under Canadian law. We only process this data with your explicit consent and as necessary to provide our core services.

For U.S. Users:
We process your information based on your consent, our legitimate business interests, and as necessary to fulfill our contract with you.

HOW WE SHARE YOUR INFORMATION

We share your personal information with the following categories of third parties:

1. Service Providers (Data Processors)

These companies process data on our behalf under strict contractual obligations:

Cloud Hosting and Infrastructure:

  • Our cloud database provider stores your account and financial data.
  • Data is encrypted in transit and at rest (see Section 10: Data Security).

AI and Machine Learning:

  • We use third-party AI providers (frontier large language model providers) to generate AI-powered insights for Plus-tier users.
  • Important: Your financial data is anonymised before being sent to AI providers. We strip identifying information (name, email, account IDs) so AI providers process only de-identified financial information needed to generate the response.

Analytics and Crash Reporting:

  • A usage analytics provider monitors mobile app usage and performance.
  • A third-party error reporting service tracks crashes and errors to improve app stability. No financial data is sent to this service — only technical error information (stack traces, device/OS metadata, anonymous user ID).
  • Data is anonymised where possible.

Subscription Management:

  • Our subscription management provider manages subscriptions and tracks purchase history.
  • The provider receives: purchase history, subscription status, and an anonymous user ID. No financial data you enter into the app is shared with this provider.
  • The full list of our sub-processors and their privacy policies is available on request — contact privacy@finfloe.com.

App Store Platforms:

  • Apple App Store (iOS) – Processes payments for iOS subscriptions
  • Google Play Store (Android) – Processes payments for Android subscriptions

Email Services (Future):

  • When implemented, we will use industry-standard email service providers to send you notifications and marketing emails.

2. Advertising and Marketing Partners (Forward-looking)

FinFloe may, in the future, work with advertising and analytics platforms to market the FinFloe mobile app to potential users. At the time this policy was last updated, no advertising-platform integrations were live. This section describes the scope of advertising activity we may engage in, so that you can understand and exercise opt-out rights in advance.

Advertising platforms we may work with:

  • Meta (Facebook / Instagram)
  • Google Ads
  • TikTok, LinkedIn, Reddit, Twitter/X
  • Other industry-standard advertising platforms

What we may share with advertising platforms (if and when integrated):

  • Hashed email addresses (converted to anonymous identifiers used by ad platforms to match against their own user lists)
  • Aggregate behaviour from the FinFloe website (for example, "visitors who reached the signup page")

What we will never share with advertising platforms:

  • Your in-app financial data (income, expenses, account balances, transactions, borrowings, statements)
  • Your full name, phone number, date of birth, or any other personal identifier in unhashed form
  • Detailed transaction history
  • Any identifier derived from your device's advertising identifier — because the FinFloe mobile app does not collect Apple IDFA or Google Advertising ID, these cannot be shared

Purpose: Where advertising activity occurs, its only purpose is to promote the FinFloe mobile app and reach potential new users. It is never used to share or monetise your in-app financial data.

3. Affiliate Partners

We partner with financial product providers (credit card companies, banks, fintech apps) to offer you relevant financial products within the App.

How it works:

  • We show you offers (e.g., "Earn 2% cashback with XYZ Credit Card")
  • If you click on an offer and apply, the affiliate partner may collect information directly from you (subject to their privacy policy)
  • We may earn a commission if you're approved or make a purchase
  • We do NOT share your FinFloe financial data with affiliate partners without your explicit action (e.g., clicking on an offer)

Affiliate Disclosure: See section 8 for full transparency about affiliate relationships.

4. Business Transfers

In the event of a merger, acquisition, financing, sale of assets, or bankruptcy:

  • We may transfer your information to the acquiring entity
  • You will be notified via email and/or App notification
  • The new entity must honor this Privacy Policy

5. Legal and Safety Purposes

We may disclose your information if required to:

  • Comply with legal obligations (court orders, subpoenas)
  • Enforce our Terms of Service
  • Protect the rights, property, or safety of FinFloe, our users, or the public
  • Prevent fraud or illegal activity

What We Do NOT Do:

  • ❌ We do NOT sell your personal information to data brokers
  • ❌ We do NOT share your specific financial data with advertisers
  • ❌ We do NOT provide third parties access to your data for their own marketing without your consent

Artificial Intelligence (AI) Features

What AI Does in the FinFloe Mobile App

FinFloe uses AI to provide Plus tier users with the following features:

  1. AI Chat — A conversational interface that lets you ask questions about your finances. The chat uses your in-app data (such as your borrowings, budget, and recent transactions) to provide contextual answers.
  2. Monthly Reports — An AI-narrated monthly recap of your finances. The report combines your in-app data with AI-generated narrative to summarise your month and highlight changes.

Your AI Chat conversation history is stored locally on your device only. It is not uploaded to or stored on our servers. You can clear your local chat history at any time from within the mobile app.

How We Process Your Data with AI

Privacy-First Approach:

  1. Anonymisation: Before sending data to third-party AI providers, we remove personally identifiable information:
    • Your name, email, phone number are stripped
    • Data is aggregated (e.g., "User spent $500 on groceries" vs. "John Doe spent $500 at Whole Foods")
  2. AI Providers We Use:
    • We use third-party large language model providers (frontier AI providers) to power AI features. We may use more than one provider and may change providers from time to time as the AI landscape evolves.
    • These providers process data according to their privacy policies and contractual agreements with us. The current list of sub-processors is available on request — contact privacy@finfloe.com.
  3. AI Provider Retention:
    • Once a query is sent to an AI provider, that provider may retain it according to their own retention policies and contractual terms with us.
    • We do not separately store the query content on our servers after the AI response is generated.
    • Your AI Chat history is stored locally on your device only — deleting it from within the FinFloe mobile app removes it from your device.
  4. Data Minimization:
    • We only send the minimum data necessary for AI to generate insights

Opting Out of AI Features

Lite tier users do not have access to AI features – Your data is never sent to AI providers.

Plus tier users:

  • AI features are a core part of the Plus tier
  • You cannot opt out of AI processing while remaining on the Plus tier
  • To opt out: Switch to the Lite tier or cancel your subscription

Compliance with AI Privacy Laws

Our AI practices comply with:

  • Canada's PIPEDA – AI processing is done with your consent and for legitimate purposes
  • Canadian principles for responsible AI (Office of the Privacy Commissioner)
  • U.S. state AI laws (e.g., California AI transparency requirements)

Cookies and Tracking Technologies

Mobile App Tracking

We do NOT use cookies in the mobile App (cookies are a web technology).

However, we use similar mobile tracking technologies:

  1. Analytics SDKs: Our usage analytics provider tracks in-app behaviour.
  2. Advertising IDs: The FinFloe mobile app does NOT collect Apple IDFA or Google Advertising ID. No advertising or attribution SDKs are integrated in the mobile app.
  3. Device Identifiers: Unique device IDs for authentication and fraud prevention

Device-Level Tracking Controls (for Your Reference)

The FinFloe mobile app does not run advertising or attribution SDKs, so device-level "Allow Apps to Request to Track" settings have no effect on data collected by the FinFloe mobile app itself. The information below is provided as a reference for managing advertising tracking by apps in general.

iOS (Apple):

  • Go to Settings > Privacy & Security > Tracking.
  • Toggle off Allow Apps to Request to Track.

Android (Google):

  • Go to Settings > Google > Ads.
  • Enable Opt out of Ads Personalization, or reset your Advertising ID.

Affiliate Marketing and Financial Product Offers (Forward-looking)

Transparency About Affiliate Relationships

FinFloe plans to introduce affiliate partner offers in the FinFloe mobile app in the future. At the time this policy was last updated, partner offers were not yet live in the app. This section describes how affiliate offers will work when introduced, so that you can understand them in advance.

FinFloe may earn revenue through affiliate partnerships with financial product providers:

  1. FinFloe may promote credit cards, bank accounts, investment apps, and other financial products within the FinFloe mobile app.
  2. If you click on an offer and are approved or make a purchase with a partner, FinFloe may earn a commission.
  3. This does not increase the price you pay — you receive the same terms as applying to the partner directly.
  4. Your decision to use an affiliate offer is completely voluntary.

How Affiliate Offers Will Work

  • Dynamic Offers: The offers you see may change over time as our partnerships evolve.
  • How offers are selected: The same offers will be shown to all FinFloe mobile app users in your country. We will not use your individual financial data to personalise, target, or select which offers you see.
  • Third-Party Privacy Policies: When you click on an offer, you will leave the FinFloe mobile app and be subject to the affiliate partner's own privacy policy.

Our Commitment

  • We will only promote products we believe may benefit our users.
  • We will clearly label affiliate offers (for example, "Partner Offer" or "Sponsored").
  • We will not share your FinFloe in-app financial data with affiliate partners. Information passes to a partner only when you explicitly choose to apply for or purchase a product through their site.

Compliance

Our affiliate practices will comply with:

  • Canada's Advertising Standards (ASC) — disclosure and transparency requirements.
  • U.S. Federal Trade Commission (FTC) — endorsement and disclosure guidelines.

Data Retention

How Long We Keep Your Information

While Your Account Is Active:

  • We retain your personal and financial data only for as long as your account is active.
  • You can delete specific items (such as individual transactions, bills, or borrowings) within the FinFloe mobile app at any time.

When You Delete Your Account:

  • Your personal and financial data is permanently deleted from our active systems immediately upon account deletion. This is a hard deletion: we do not flag your account as "deleted" while keeping the data — the underlying records are removed from our database.
  • Backup copies that may temporarily contain your data are overwritten through our normal backup-rotation cycle within 30 days.
  • You do not need to make a separate request — deleting your account in the FinFloe mobile app (Settings → Delete Account) initiates this process automatically.

What We May Retain Beyond 30 Days (Limited Cases):

  • A minimal record of your deletion request itself (date, anonymised user identifier) for audit and legal-compliance purposes.
  • Anonymised aggregate analytics data — this data can no longer be linked back to you as an individual.
  • Any information we are legally required to retain. For example, subscription billing records held by the Apple App Store or Google Play Store on their own systems are not within our control; those platforms have their own retention policies.

How to Delete Your Account

You can delete your account in two ways:

  • In the FinFloe mobile app: Settings → Delete Account. The deletion runs immediately and cannot be undone.
  • By email: Contact privacy@finfloe.com from the email address associated with your account. We will verify your identity and process the deletion within a reasonable time.

Data Security

How We Protect Your Information

We implement industry-standard security measures, including:

  1. Encryption:
    • In transit: All data is encrypted using TLS (HTTPS).
    • At rest: Sensitive financial information is encrypted using AES-256, an industry-standard cryptographic method.
  2. Authentication:
    • Passwords are securely hashed and never stored in plain text.
    • If you use device-level biometric unlock (Face ID, Touch ID, fingerprint), it is handled entirely by your device. We do not have access to and do not collect biometric data.
  3. Access Controls:
    • Only authorized FinFloe personnel can access user data, and only when necessary (e.g., customer support)
    • Role-based access controls (RBAC) limit data access
  4. Secure Infrastructure:
    • Hosted on cloud infrastructure that holds SOC 2 and ISO 27001 certifications.
    • We conduct periodic security reviews and vulnerability assessments (at least annually).
  5. Monitoring:
    • We monitor for suspicious activity and potential security breaches

Limitations

No system is 100% secure. Despite our efforts, we cannot guarantee that your information will never be accessed, disclosed, altered, or destroyed due to a breach of security. You use the App at your own risk.

Your Responsibility:

  • Use a strong, unique password
  • Enable device lock (PIN, biometric)
  • Do not share your account credentials

Children's Privacy

The FinFloe App is not intended for individuals under 18 years of age (or the equivalent age as specified by law in your jurisdiction).

We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at privacy@finfloe.com. We will promptly delete such information.

YOUR PRIVACY RIGHTS

Depending on where you live, you may have certain rights regarding your personal information.

For Canadian Residents (PIPEDA)

You have the right to:

  1. Access: Request a copy of the personal information we hold about you
  2. Correction: Request corrections to inaccurate or incomplete information
  3. Portability: Request your data in a portable format (e.g., CSV, JSON) – *Currently not available in-app; contact support*
  4. Withdraw Consent: Withdraw your consent to data processing at any time
  5. Delete: Request deletion of your personal information
  6. Complaint: File a complaint with the Office of the Privacy Commissioner of Canada (https://www.priv.gc.ca/)

How to Exercise Your Rights:

  • In-App: Some data can be edited or deleted directly in the App
  • By Email: Contact support@finfloe.com or privacy@finfloe.com with your request

For U.S. Residents

See Section 14: U.S. State Privacy Rights below for detailed state-specific rights.

Opt-Out Rights

Marketing Emails:

  • Click the "Unsubscribe" link in any marketing email
  • Or contact support@finfloe.com to opt out

Targeted Advertising:

  • The FinFloe mobile app does not engage in targeted advertising and does not run advertising or attribution SDKs. There is no in-app advertising tracking to opt out of.
  • For advertising on the FinFloe website or on third-party platforms (if any), you can manage interest-based ads via industry opt-out tools: http://optout.aboutads.info/ (U.S.) or http://youronlinechoices.ca/ (Canada).
  • You can also manage device-level advertising controls — see Section 7 for reference settings.

AI Processing:

  • Switch to the Lite tier (AI features are only available on the Plus tier)

Data Sharing with Advertising Platforms:

  • To opt out of any current or future sharing of data with advertising platforms for audience-building or marketing purposes, email privacy@finfloe.com.
  • Note: This may affect our ability to provide you with the FinFloe mobile app if advertising revenue is critical to our business model.

Do Not Track

Some web browsers and mobile operating systems have a "Do Not Track" (DNT) feature that signals websites/apps not to track users.

Our Response to DNT Signals:

  • There is currently no universal standard for how to interpret DNT signals
  • We do not currently respond to DNT signals in the mobile App
  • However, you can manage tracking through device settings (see Section 7)

California DNT Disclosure:

California law requires us to disclose how we respond to DNT signals. As stated above, we do not respond to DNT signals at this time.

U.S. STATE PRIVACY RIGHTS

If you are a resident of certain U.S. states, you may have additional privacy rights under state laws, including:

  • California (CCPA/CPRA)
  • Virginia (VCDPA)
  • Colorado (CPA)
  • Connecticut (CTDPA)
  • Utah (UCPA)
  • Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas (various state laws)

Your Rights Under U.S. State Laws

You may have the right to:

  1. Know: What personal information we collect, use, and share
  2. Access: Request a copy of your personal information
  3. Correct: Request correction of inaccurate information
  4. Delete: Request deletion of your personal information
  5. Portability: Receive your data in a portable format
  6. Opt-Out: Opt out of:
    • Sale of personal information (Note: We do not "sell" data to data brokers, but sharing with advertisers may qualify as a "sale" under some laws)
    • Sharing for targeted advertising
    • Automated decision-making/profiling (if applicable)
  7. Non-Discrimination: We will not discriminate against you for exercising your rights

Categories of Personal Information (Last 12 Months)

Category Examples Collected Shared with Third Parties
A. Identifiers First and last name, email, user ID, anonymous device identifier ✅ YES ✅ YES (with service providers; in hashed/anonymised form for any future ad-platform sharing)
B. Financial Information Income, expenses, bills, account names ✅ YES ❌ NO (except anonymized for AI)
C. Internet/Network Activity App usage, clicks, session data ✅ YES ✅ YES (analytics partners)
D. Geolocation Data City/region (from IP) ✅ YES ❌ NO
E. Inferences Financial patterns, preferences ✅ YES ❌ Not currently shared. Anonymised inferences may be shared with advertising platforms in the future.
F. Sensitive Personal Information Financial account data ✅ YES ❌ NO (except anonymized for AI)

Business Purpose for Collection

We collect this information to:

  • Provide financial tracking and budgeting services
  • Generate AI insights (Plus tier)
  • Improve App functionality
  • Communicate with you
  • Market our services
  • Show relevant affiliate offers

Third Parties We Share With

  • Service Providers: Cloud database and hosting, AI processing, subscription management, error reporting, and platform stores (Apple, Google).
  • Advertising Partners (Forward-looking): May include Meta, Google Ads, TikTok, LinkedIn, Reddit, Twitter/X. At the time this policy was last updated, no advertising-platform integrations were live.
  • Affiliate Partners: Financial product providers (only when you click on offers)

"Sale" or "Sharing" of Personal Information

We do not sell your personal information to data brokers, and we never share your in-app financial data with advertisers.

Under some U.S. state privacy laws (such as California's CCPA/CPRA), some marketing activities — including sharing hashed identifiers and aggregate data with advertising platforms — may be classified as a "sale" or "sharing." This section discloses what such activities may involve so that you can exercise opt-out rights.

In the past 12 months: No data has been shared with advertising platforms for targeted advertising or audience-building purposes, because no advertising-platform integrations were live during this period.

If advertising-platform integrations are introduced in the future, the data that may be shared is limited to:

  • Hashed email addresses (matched against ad platforms' own user lists)
  • Aggregate website-visit data (the FinFloe mobile app does not collect Apple IDFA or Google Advertising ID, so these cannot be shared)

Categories of Third Parties (Forward-looking):

  • Ad networks (such as Meta, Google, TikTok, LinkedIn, Reddit, Twitter/X)

How to Exercise Your Rights

Submit a Request:

  1. Email: privacy@finfloe.com
  2. Subject: "Privacy Rights Request – [Your State]"
  3. Include:
    • Your full name and email associated with your FinFloe account
    • The specific right you wish to exercise (access, delete, opt-out, etc.)
    • Your state of residence

Verification:

  • We will verify your identity by asking for information that matches our records (e.g., email, phone, account details)
  • For deletion requests, we may require additional verification

Authorized Agent:

  • You may designate an authorized agent to make a request on your behalf
  • The agent must provide written proof of authorization

Response Time:

  • We will respond within 45 days (may extend by 45 days if needed, with notice)

Opt-Out of "Sale" or "Sharing"

To opt out of targeted advertising:

  1. Disable tracking on your device (see Section 7)
  2. Email privacy@finfloe.com with "Opt Out of Targeted Advertising" in the subject line

Appeals (for Certain States)

If we deny your privacy request, you may appeal by emailing privacy@finfloe.com with "Appeal" in the subject line. We will respond within the timeframe required by law.

If your appeal is denied, you may contact your state attorney general to file a complaint.

California-Specific Disclosures

California "Shine the Light" Law:

California residents may request information about our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, contact privacy@finfloe.com.

California Minors:

If you are a California resident under 18 and wish to remove content you posted, contact support@finfloe.com. Note: Removal does not ensure complete deletion if the content has been shared by others.

International Data Transfers

FinFloe is based in Canada. If you use the App from outside Canada, your information may be transferred to and processed in:

  • Canada (our primary operations)
  • United States (cloud hosting providers, AI providers).

Data Protection:

  • We ensure that third-party service providers comply with applicable data protection laws
  • Data transferred to the U.S. is protected under contractual safeguards (e.g., Standard Contractual Clauses)

Your Consent:

By using the App, you consent to the transfer of your information to Canada and the U.S.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or App features.

When we make material changes:

  1. We will update the "Last updated" date at the top
  2. We will notify you by:
    • Posting a prominent notice in the App
    • Sending you an email notification (if we have your email)
    • Displaying an in-app alert upon your next login

Your Continued Use:

Your continued use of the App after changes are posted constitutes your acceptance of the updated Privacy Policy.

We encourage you to review this Privacy Policy periodically.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:

FinFloe Inc.
300 McNicoll Ave.
North York, Ontario M2H 2C7
Canada

Email:
- Privacy inquiries: privacy@finfloe.com
- General support: support@finfloe.com

For Privacy Complaints:

Canada:

  • Office of the Privacy Commissioner of Canada
  • Website: https://www.priv.gc.ca/
  • Phone: 1-800-282-1376

United States:

  • Contact your state attorney general's office or the Federal Trade Commission:
  • Website: https://www.ftc.gov/
  • Phone: 1-877-FTC-HELP (1-877-382-4357)

Related Policies

  • Website Privacy Policy – For visitors to finfloe.com
  • Terms of Service – Legal terms for using the FinFloe App
  • Cookie Policy – Details about cookies on our website (optional separate document)

Acknowledgments

This Privacy Policy complies with:

  • Canada: Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Quebec: Law 25 (modernization of privacy laws)
  • United States: State privacy laws (CCPA/CPRA, VCDPA, CPA, CTDPA, and others)
  • Advertising Standards: Canadian Code of Advertising Standards, U.S. FTC guidelines
  • Platform Requirements: Apple App Store privacy requirements, Google Play Store privacy requirements

Last Reviewed: May 24, 2026

End of Mobile App Privacy Policy