Privacy Policy
Last updated: 27 June 2026
1. Who we are
Finance Tracker is operated by FDO S.R.L. ("we", "us"), a company registered in Romania (sole registration code / CUI 33914411, Trade Registry J05/1943/2014), with its registered office in Oradea, Bihor County, Romania. We operate the Finance Tracker application at https://financetracker.net. For any privacy or data-protection question, contact privacy@financetracker.net.
2. Data we collect
- Account & profile data you provide (name, email, language and preferences).
- Financial records you enter (accounts, transactions, categories).
- Bank account information you choose to link (balances, transactions, account details), retrieved on a read-only basis via Account Information Services — see §3.
- Technical data (application logs, device / usage) needed to operate and secure the service.
3. Open Banking / Account Information Services (AIS)
When you link a bank account, we access your account information on a read-only basis under PSD2, through a licensed Account Information Service Provider (for example, Enable Banking). We never initiate payments. Access occurs only with your explicit consent, which you grant at your bank and may withdraw at any time; consents expire periodically (typically up to 90 days) and must be renewed.
4. How we use your data
To provide the service (track and reconcile your finances), secure your account, comply with legal obligations and — only where applicable — communicate with you about the service.
5. Legal basis (GDPR)
Performance of our contract with you; your explicit consent (for bank-account linking); and our legitimate interests in operating and securing the service.
6. Sharing & processors
We share data only with service providers that help us run the application (for example, cloud hosting and the Open Banking aggregator). We do not sell your data. Our key processors are Amazon Web Services (cloud hosting in the EU region) and Enable Banking (the licensed Open Banking / Account Information Service provider).
7. Retention
We keep your data while your account is active and as required by law. Bank-derived data is deleted when you unlink an account or close your account. When you delete your account your data is removed immediately, except where we are legally required to retain specific records (for example to meet accounting or anti-fraud obligations), in which case those records are kept only for the period required by law.
8. Your rights
Subject to applicable law you may access, correct, export or delete your data, object to or restrict processing, and withdraw consent. Contact privacy@financetracker.net; you may also lodge a complaint with your data protection authority.
8a. Deleting your account and data
You can permanently delete your account and all of its data at any time, directly from the app — no request or waiting period needed:
- Mobile app: open the menu, tap your profile, choose View & Edit Profile, scroll to Delete account, and confirm.
- Web: go to your profile, scroll to Delete account, and confirm.
Deletion is immediate and irreversible. It removes your profile, all of your accounts, transactions and categories, and every linked-bank connection together with the bank data derived from it. We keep no backup copy except any specific record we are legally required to retain. If you cannot access the app, you may instead request deletion by emailing privacy@financetracker.net.
9. Security
Provider access tokens are encrypted at rest, all transport is encrypted (TLS), and access is strictly scoped to your own data.
10. Changes
We may update this policy; material changes will be notified within the application.