Privacy Policy
Last updated: January 2026
1. Introduction
Evonet Pty Ltd ("we", "us", or "our") operates Financio. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance management application.
2. Information We Collect
We collect the following types of information:
Account Information
- Email address
- Name (optional)
- Authentication credentials (managed by Firebase)
Financial Data
- Account names, types, and balances
- Transaction details (merchants, amounts, dates, descriptions)
- Categories and tags you create
- Imported transaction files
Usage Data
- Device and browser information
- IP address
- Pages visited and features used
- Error logs and diagnostics
3. How We Use Your Information
We use your information to:
- Provide and maintain the Service
- Process and store your financial data
- Generate reports and insights about your finances
- Send important account notifications
- Improve and optimise the Service
- Detect and prevent fraud or abuse
- Comply with legal obligations
4. Data Storage and Security
We take the security of your data seriously:
- All data is encrypted in transit using TLS/SSL
- Data is stored on secure servers with encryption at rest
- Authentication is handled by Firebase with industry-standard security
- We regularly review and update our security practices
5. Data Sharing and Disclosure
We do not sell your personal information. We may share your data only in the following circumstances:
- Service Providers: With third-party services that help us operate the Service (Firebase, Azure, OpenAI, Bugsnag)
- AI Insights: We send anonymised transaction data to OpenAI to provide AI-powered insights and analysis features. This data does not include personally identifiable information.
- Legal Requirements: When required by law or to protect our rights
- Business Transfers: In connection with a merger, acquisition, or sale of assets
- With Your Consent: When you explicitly agree to share your data
6. Your Rights
Under Australian privacy law and other applicable regulations, you have the right to:
- Access your personal information
- Correct inaccurate data
- Request deletion of your data
- Object to certain processing activities
- Request a copy of your data in a portable format
To exercise these rights, please contact us at support@financio.au.
7. Data Retention
We retain your data for as long as your account is active or as needed to provide the Service. If you delete your account, we will delete your personal data within 30 days, except where we are required to retain it for legal or regulatory purposes.
8. Third-Party Services
We use the following third-party services:
- Firebase (Google): Authentication and user management
- Microsoft Azure: Cloud infrastructure and file storage
- OpenAI: AI-powered insights using anonymised transaction data
- SendGrid: Email communications
- Bugsnag: Error tracking and diagnostics
Each of these services has their own privacy policy governing how they handle data.
9. Children's Privacy
Financio is not intended for use by children under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, please contact us.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.
11. Contact Us
If you have any questions about this Privacy Policy, please contact us at support@financio.au.