Privacy Policy | Finzony | Finzony United States

1. Information We Collect

We collect Personal, Financial, Technical, and Usage-related information when You access or use the Platform. The categories below describe what We collect and why.

Personal Information: Name, email address, phone number, date of birth, gender, communication preferences, and account credentials. This is collected when You register, contact us, or use account-based features.

Financial Information: Investment preferences, portfolio inputs, transaction logs, and other financial data voluntarily entered into calculators, planning tools, or wealth-management features. We do not store payment card details — payments are processed by PCI-DSS compliant third-party processors.

Technical & Device Information: IP address, browser type, operating system, device identifiers, cookies, analytics identifiers (Google Analytics 4, Microsoft Clarity), approximate geolocation, and usage patterns collected automatically to improve performance and security.

Sensitive DataSensitive Personal Data: We do not intentionally collect sensitive categories of personal information (Social Security Numbers, racial or ethnic origin, biometric data, health data) unless explicitly required and consented to. If you believe such data has been inadvertently collected, contact us immediately.

ChildrenFinzony is not directed at children under 13 years of age. We do not knowingly collect personal information from children under 13. If We discover that a child under 13 has provided Us personal information, We will promptly delete it. Parents or guardians may contact us at privacy@finzony.com to request deletion.

We collect and process Your information only with Your consent, to fulfill a contractual obligation, to comply with legal requirements, or for legitimate business interests as permitted under applicable US law.

2. How We Use Your Information

Your information is used for the following purposes:

To operate, maintain, and improve the Platform, including financial calculators, planning tools, and investment features.

To personalize Your experience with region-specific US financial insights, tax guidance, and content.

To process payments and subscriptions where applicable, through secure third-party payment processors.

To comply with applicable US financial regulatory standards including SEC, FINRA, and CFPB guidelines where relevant.

To detect fraud, enhance security, conduct audits, and prevent misuse of the Platform.

To deliver customer support, respond to inquiries, and resolve disputes promptly.

To send service notifications, updates, and optional marketing communications (with Your consent and an easy opt-out).

To conduct analytics and measure Platform performance using tools such as Google Analytics 4 and Microsoft Clarity.

To improve AI-driven recommendation models using only anonymized or aggregated data — never individually identifiable information.

3. Sharing of Information

We do not sell Your Personal Information to third parties. We may share it only under the following limited circumstances:

Service Providers: Trusted vendors including cloud hosting, analytics, customer support, payment processors, and technology partners who assist in delivering the Platform under strict data processing agreements.
Regulatory Compliance: US federal and state government authorities, auditors, and financial regulatory bodies (SEC, FINRA, FTC, state AGs) when legally required.
Business Transfers: In the event of a merger, acquisition, or corporate restructuring, with appropriate privacy safeguards maintained.
Legal Requests: To comply with valid subpoenas, court orders, lawful government requests, or to enforce Our Terms of Service.
Cross-border Transfers: Data may be processed in jurisdictions outside the US with adequate safeguards including Standard Contractual Clauses (SCCs), encryption, and strict access controls.
With Your Consent: In any other circumstance where You have explicitly authorized the sharing of Your information.

We never sell Your Personal Information for advertising or marketing purposes. California residents have the right to opt-out of any future sale of their data.

4. Third-Party Links & Services

Our Platform may contain links to external websites, financial data providers, advertisers, or partner services. Their privacy practices are independent of ours and beyond our control. We recommend reviewing their privacy policies before engaging with such services. Finzony is not responsible for the privacy practices or content of third-party sites.

5. Data Security

We implement industry-standard administrative, technical, and physical safeguards to protect Your information. These include SSL/TLS encryption in transit, AES-256 encryption at rest, role-based access controls, secure coding practices, and continuous security monitoring. Our infrastructure is hosted on SOC 2 compliant cloud providers.

You are responsible for maintaining the confidentiality of Your login credentials and account password. Finzony will never ask You for Your password, full Social Security Number, or financial PINs via email, phone, or chat.

6. Data Retention & Deletion

We retain Your personal information only as long as necessary to provide the Services, comply with US legal obligations (including IRS recordkeeping requirements), prevent fraud, and maintain legitimate business records. Typical retention periods range from 3 to 7 years depending on data type and applicable law.

You may request deletion of Your account or personal data at any time by contacting privacy@finzony.com. Upon verified request, We will delete or de-identify Your data within 45 days, subject to legal retention requirements. California residents may also submit deletion requests under CCPA/CPRA.

7. Your Privacy Rights

Right to Know You may request disclosure of the categories and specific pieces of personal information We have collected about You, how it was used, and with whom it was shared.

Right to Delete You may request deletion of personal information We have collected, subject to certain legal exceptions (e.g., fraud prevention, legal compliance).

Right to Correct You may request correction of inaccurate personal information We hold about You.

Right to Opt-Out of Sale/Sharing You have the right to opt-out of the sale or sharing of Your personal information for cross-context behavioral advertising. We do not currently sell personal data.

Right to Limit Use of Sensitive Information You may direct Us to limit the use of sensitive personal information to purposes necessary for providing the Services.

Right to Non-Discrimination We will not discriminate against You for exercising any of Your CCPA/CPRA privacy rights.

Right to Data Portability You may request Your personal data in a portable, machine-readable format.

Authorized Agent You may designate an authorized agent to submit requests on Your behalf with proper verification.

8. Cookies, Analytics & Advertising

We use cookies, web beacons, and similar tracking technologies to enhance Your experience, analyze Platform usage, and serve advertisements. Analytics tags via Google Tag Manager load only after You accept cookies via Our consent banner. Google AdSense may use cookies when advertisements are served on the Platform. You can control preferences through Our cookie banner and Your browser settings, or opt out of personalized ads using the links below.

Google AdSense & Third-Party Advertising

Finzony uses Google AdSense, a service provided by Google LLC, to display advertisements on the Platform. Google and its advertising partners may use cookies and similar technologies to serve ads based on Your prior visits to this Platform or other websites, to measure ad performance, and to prevent fraud.

The Google advertising cookie enables Google and its partners to serve ads to You based on Your visit to finzony.com and/or other sites on the Internet.
AdSense may collect device identifiers, IP address, browser type, pages viewed, and approximate location to deliver and measure ads.
We do not share personally identifiable account data (name, email, financial inputs) with Google for ad targeting.
Third-party vendors, including Google, use cookies to serve ads. You may opt out of personalized advertising by visiting the links below or by rejecting non-essential cookies in Our banner.

To manage or opt out of personalized advertising:

9. Updates to this Privacy Policy

We may update this Privacy Policy periodically to reflect changes in law, Our practices, or Platform features. Updated versions will be posted on this page with a revised Last Updated date. For material changes, We will provide notice via email or a prominent banner on the Platform. Continued use after notice constitutes acceptance.

10. Privacy Contact & Complaints

For privacy questions, rights requests (CCPA/CPRA), or complaints regarding Our data practices, please contact Our Privacy Team:

Suraj Mishra (Privacy Officer)

privacy@finzony.com

Finzony Inc. — We operate as an online-first platform and do not maintain a public physical office. All privacy requests must be submitted via email for verification and processing.

11. Governing Law & Jurisdiction

This Privacy Policy is governed by the laws of the United States. For California residents, the CCPA and CPRA apply and provide additional rights as described in Section 7. For users in other US states with applicable privacy laws (Virginia CDPA, Colorado CPA, Connecticut CTDPA, etc.), We will honor equivalent rights to the extent required by law. Any disputes will be resolved under applicable US federal and state law.

12. Contact Us

If You have questions about this Privacy Policy, wish to exercise Your privacy rights, or have a concern about how Your data is handled, please contact Us at support@finzony.com. We aim to respond to all verified requests within 45 days.

support@finzony.com