Finance Agent - Privacy Policy

Finance Agent Privacy Policy

Last updated: 8 September 2026

Finance Agent is a private personal finance application used by its owner for personal, non-commercial budgeting, spending analysis and cash-flow management.

1. Information processed

Finance Agent may process financial account information made available through connected financial institutions, including:

  • account names and identifiers

  • account balances

  • transaction dates

  • transaction amounts

  • merchant and transaction descriptions

  • transaction currencies

  • other account and transaction metadata provided by the connected financial institution

Finance Agent does not collect or store online banking passwords or authentication credentials.

2. How banking information is accessed

Bank account information is accessed through Enable Banking, which provides regulated Open Banking connectivity between Finance Agent and supported financial institutions.

Authentication takes place with the relevant financial institution. Finance Agent does not receive the user's bank login credentials.

Enable Banking processes information according to its own terms and privacy notices.

3. Purpose of processing

Financial information is used solely for personal financial-management purposes, including:

  • tracking income and expenditure

  • categorising transactions

  • monitoring budgets

  • analysing spending patterns

  • identifying recurring expenses

  • forecasting cash flow

  • calculating available and discretionary funds

  • producing personal financial insights and summaries

The application is not used to provide services to third parties.

4. Storage and service providers

Financial data may be stored in a private database used by Finance Agent.

Technical service providers may be used for hosting, database infrastructure, banking connectivity and application operation. These providers may process data only as required to provide those technical services.

5. Artificial intelligence

Finance Agent may use artificial intelligence models to analyse financial information and answer questions about spending and budgeting.

Where possible, calculations such as balances, totals, budgets and forecasts are performed by deterministic application logic rather than by an AI model.

Only information required for the relevant analysis should be supplied to an AI service.

6. Payment access

Finance Agent is designed as a read-only personal financial-management tool.

It does not initiate bank payments, create beneficiaries, transfer funds or execute investments through connected bank accounts.

7. Data retention

Financial information is retained only for as long as it is required for the operation of the personal finance application or until the application owner chooses to delete it.

Connected banking authorisations may also be revoked through the relevant financial institution or banking-connectivity provider.

8. Security

Reasonable technical measures are used to protect financial information, including keeping application secrets and private cryptographic keys separate from publicly accessible application code.

Bank authentication credentials are never intentionally stored by Finance Agent.

9. Your rights

Where applicable under data-protection law, individuals have rights regarding access, correction, deletion and restriction of processing of their personal information.

Finance Agent currently processes only accounts belonging to its owner and is not offered as a public financial service.

10. Contact

Questions relating to privacy or data protection may be sent to:

matt@thatsplunk.com