Privacy Policy

1. Data Controller

Plio is a personal finance management application. The data controller is the publisher of Plio.

Contact: [email protected]

2. Data Collected

We collect and process the following data:

a) Authentication data

• Name and email from your identity provider (Google or GitHub).
• Unique account identifier.

b) Manually entered financial data

• Budget categories and groups.
• Transactions (amounts, dates, notes, categories).
• Budget goals and spending limits.

c) Bank data imported via Enable Banking

• Transaction history (amounts, dates, labels, references).
• Account identification (IBAN, account name).

Important: Your bank credentials are never collected, transmitted or stored by Plio.

3. Purpose of Processing

Your data is used exclusively to:

• Authenticate and secure access to your personal space.
• Provide budget tracking features.
• Display bank balances and transaction history.

Your data is never sold or shared for advertising purposes.

4. Legal Basis

• Consent: for connecting bank accounts.
• Contract execution: for providing the service.

5. Third-Party Services

• Firebase (Google Cloud): hosting and secure storage (EU).
• Enable Banking Oy: PSD2-compliant bank aggregation.

6. Data Retention

• Data is retained while your account is active.
• Deletion within 30 days of account deletion.

7. Security

• Encryption in transit (HTTPS/TLS).
• Secure authentication.
• Data isolation in Firestore.

8. Your Rights (GDPR)

You have rights of access, rectification, erasure, portability, objection and withdrawal of consent. Contact: [email protected].

9. Cookies

Plio does not use advertising cookies. Only technical cookies are used.

10. Changes

We reserve the right to update this policy. Substantial changes will be notified.

11. Contact

For any questions: [email protected].