Privacy Policy

Introduction

This Privacy Policy describes how Finvinity ("we," "our," or "us") collects, uses, and protects your information when you use our mobile application (the "Service"). We are committed to protecting your privacy and ensuring you have a positive experience with our app. This policy applies to all users of the Finvinity mobile application available on iOS App Store and Google Play Store.

Information We Collect

Information You Provide Directly

• Portfolio Data: Investment transactions, holdings, purchase prices, quantities, and portfolio preferences you manually enter into the application
• App Preferences: Theme settings (dark/light mode), currency preferences, notification settings, and other customization options
• User-Generated Content: Notes, tags, or labels you add to your investments

Automatically Collected Information

• Market Data: Real-time stock prices, cryptocurrency prices, currency exchange rates, and financial news from third-party APIs
• Device Information: Device type, operating system version, app version, device language, and timezone for compatibility and localization purposes
• Usage Analytics: Anonymous app performance metrics, crash reports, and feature usage statistics to improve user experience
• Technical Data: IP address (for API requests only), app launch frequency, and session duration

Information We Do NOT Collect

• Personal Identity: We do not collect your name, email address, phone number, or any personally identifiable information
• Financial Account Information: We do not access your bank accounts, brokerage accounts, or payment methods
• Location Data: We do not track your physical location
• Contacts: We do not access your device contacts or address book

How We Use Your Information

• Portfolio Management: Calculate gains/losses, track performance metrics, provide analytics, and generate portfolio reports
• Market Data Display: Show real-time prices, market trends, and relevant financial news for your holdings
• App Functionality: Provide core features like portfolio tracking, performance analysis, and data visualization
• Performance Optimization: Analyze usage patterns to enhance features, fix bugs, and improve app stability
• Personalization: Customize the app experience based on your preferences and usage patterns
• Customer Support: Provide technical support and troubleshoot issues when requested

Data Storage and Security

Third-Party Services and APIs

To provide real-time market data and financial news, we integrate with the following trusted third-party services:

• Yahoo Finance API: Provides real-time stock quotes, market data, and financial information
• Alpha Vantage: Backup source for market data, historical prices, and fundamental analysis data
• Finnhub: Additional market insights, company news, and financial data
• NewsAPI: Curated financial news from reputable sources like Bloomberg, Reuters, WSJ, and CNBC

Important: These services only receive anonymized requests for market data. We do not share your personal portfolio information, holdings, or any personally identifiable information with these services. Please review their respective privacy policies for information about their data practices.

Data Sharing and Disclosure

We may disclose aggregated, anonymized information only in the following limited circumstances:

• Legal Compliance: To comply with applicable laws, regulations, legal processes, or enforceable governmental requests
• Safety and Security: To protect our rights, property, or safety, or that of our users or the public as required or permitted by law
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with prior notice to users
• With Your Consent: For any other purpose disclosed to you and with your explicit consent

Your Rights and Choices

• Data Access: You can view all your data within the app at any time through the portfolio and settings screens
• Data Export: Export your complete portfolio data for backup or transfer purposes using the app's export feature
• Data Deletion: Delete your data by using the app's reset function or by uninstalling the application
• Analytics Opt-Out: Disable analytics collection in the app's privacy settings
• Notification Control: Control all push notifications through your device settings or app preferences
• Data Portability: Export your data in standard formats (CSV, JSON) for use in other applications

Children's Privacy (COPPA Compliance)

This application is suitable for users 4 years of age and older. We have designed Finvinity to be accessible and educational for children learning about financial concepts in an age-appropriate manner.

We do not knowingly collect personal information from children under 4 years of age. All data collected from users is stored locally on their device only - we do not upload, transmit, or store any personal information on external servers or cloud services, regardless of the user's age.

If you are a parent or guardian and believe your child under 4 years of age has somehow provided personal information through our app, please contact us immediately at finvinityapp@gmail.com. We will promptly investigate and take appropriate action to remove any such information from local storage.

For Parents: Finvinity helps children learn about financial concepts through portfolio tracking, market observation, and basic investment education. The app does not require any personal information to function and operates entirely offline for data storage, making it a safe learning environment for young users.

International Data Transfers

Since all personal data is stored locally on your device, there are no international transfers of your personal information. Market data API requests may be processed by servers located in various countries, but these requests contain no personal information—only anonymized requests for public market data.

Data Retention

Your personal portfolio data is retained locally on your device for as long as you have the app installed. You can delete this data at any time through the app settings or by uninstalling the application. Anonymized usage analytics may be retained for up to 24 months to help improve the app's performance and features.

Security Measures

• Device Security: Leverage iOS and Android built-in security features including device encryption and secure storage
• Network Security: All API communications use HTTPS encryption and certificate pinning
• Code Security: Regular security audits and updates to address potential vulnerabilities
• Access Controls: Strict internal access controls and data handling procedures
• Incident Response: Established procedures for responding to security incidents

Legal Compliance

This Privacy Policy is designed to comply with:

• General Data Protection Regulation (GDPR)
• California Consumer Privacy Act (CCPA)
• Children's Online Privacy Protection Act (COPPA)
• Personal Information Protection and Electronic Documents Act (PIPEDA)
• Kişisel Verilerin Korunması Kanunu (KVKK) - Turkey
• Apple App Store Guidelines
• Google Play Store Policies

Contact Information

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

For technical support or app-related questions, please use the same contact email. We take all privacy concerns seriously and will investigate any reported issues promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or app features. We will notify you of any material changes by:

• Posting the updated Privacy Policy on this page with a new "Last updated" date
• Providing an in-app notification of significant changes
• Requiring acceptance of updated terms before using new features

We encourage you to review this Privacy Policy periodically. Your continued use of the app after changes become effective constitutes acceptance of the revised policy.