Michael Hernández ("we", "us"), 642 Dory Lane, Apt 101, Altamonte Springs, Florida 32714, United States, operates VYNTORA Finance and is the data controller for the personal data described here. Contact: VYNTORAFinance@gmail.com.
1. Data we collect and why
- Account data (email, display name, login details) — to create and secure your account. Basis: contract.
- Financial records you enter or import (transactions, categories, budgets, bills, debts, savings goals, CSV files) — to provide the app's features. Basis: contract. We never ask for bank passwords or full card numbers, and we do not connect to your bank.
- AI assistant conversations (your messages and replies) — to answer your questions, keep your chat history, and enforce plan limits. Basis: contract.
- Subscription status (plan, renewal dates, provider customer ID) — to apply your plan. Basis: contract.
- Technical and usage data (IP address, device and browser information, logs) — for security, fraud prevention and fixing problems. Basis: legitimate interests.
- Support messages — to help you. Basis: legitimate interests.
Card and payment details are collected and processed directly by Paddle, not by us.
2. How the AI assistant uses your data
When you message the assistant, a summary of your own records and your message is sent to an AI model provider to generate a reply. It only uses data from your account. We do not sell your data or use it for advertising.
3. Who we share data with
- Service providers that host our app and database, run AI models, and provide authentication — only as needed to run the Service.
- Paddle.com, our Merchant of Record, for selling the product, subscription management, payments, tax compliance and invoicing.
- Professional advisers (legal, accounting) where needed.
- Authorities, where required by law.
4. Retention
We keep your data while your account is active. When you delete your account, we delete or anonymize your personal and financial data within a reasonable period, except records we must keep for legal or accounting reasons.
5. Security
We use appropriate technical and organizational measures, including encryption in transit, access controls so each user can only access their own records, and limited staff access.
6. Your rights
Depending on where you live (including under U.S. state privacy laws and, where applicable, the GDPR), you may have the right to access, correct, delete or export your data, object to or restrict certain processing, and withdraw consent. You can export your transactions as CSV at any time. To make a request, email VYNTORAFinance@gmail.com. You may also complain to your local data protection authority.
7. International transfers
Our service providers may process data outside your country. Where required, we rely on appropriate safeguards such as standard contractual clauses.
8. Cookies
We use only essential cookies and local storage needed to keep you signed in and the app working. We do not use advertising cookies.
9. Changes
We may update this policy and will notify you of material changes.