Privacy Policy – Fintalk

1. Introduction

Welcome to Fintalk (“we,” “us,” or “our”). This Privacy Policy explains how we collect, use, and protect your personal information when you use our WhatsApp-based financial assistant service ("Service"). By using Fintalk, you agree to the terms of this Privacy Policy.

If you do not agree with this Policy, please stop using the Service and contact us to delete your data.

2. Who We Are

Fintalk is a digital financial assistant powered by AI and operated through WhatsApp. Our goal is to help users track their spending, understand their finances, and build better money habits.

3. Information We Collect

Fintalk operates entirely through WhatsApp and fully respects your privacy. We do not have direct access to your personal data or message content. All communication is end-to-end encrypted, according to WhatsApp's own infrastructure.

We do not access:

• Your private messages outside the chat with Fintalk
• Your contacts, media files, or personal device information

What we may process automatically:

• The data you choose to share with the assistant (like expense values or goals)
• General technical data or usage patterns (anonymous and non-identifiable)

This information is processed by our AI to provide personalized financial insights. No human reads or accesses your messages.

4. How We Use Your Data

We use your data to:

• Deliver personalized financial guidance
• Track and summarize your expenses
• Improve our assistant and service features
• Send reminders or updates via WhatsApp
• Process payments and manage subscriptions
• Prevent abuse or fraud
• Comply with legal obligations

5. Sharing of Data

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

• Service providers (e.g., payment gateways, analytics platforms)
• Legal authorities if required by law
• Ad platforms (only anonymous or aggregate data, if used)

6. Your Rights

You may:

• Request access to your data
• Request correction or deletion
• Opt out of communications
• Cancel your account and erase your data

To request any of these, contact: support@getfintalk.com

7. Children’s Privacy

Fintalk is intended for users 18 and older. If you’re under 18, please do not use the Service. If we discover that we’ve collected data from a minor, we will delete it.

8. Data Security

We use encryption, secure infrastructure, and limited access controls to protect your data. However, no method is 100% secure, so use the Service at your own discretion.

9. International Users

If you are outside Brazil, your data may be stored or processed on servers located in other countries. We take appropriate measures to protect your information in accordance with applicable laws.

10. Changes to This Policy

We may update this Privacy Policy to reflect changes in the Service or legal requirements. We'll notify you through the Service or WhatsApp when changes occur.

11. Contact

If you have any questions or concerns, contact us at:

📩 support@getfintalk.com