Legal

Privacy Policy

Effective June 15, 2026

This Privacy Policy explains how ZATECH(“we”, “us”) collects, uses, and protects your information when you use the ZATECHpersonal finance application (the “Service”). We are committed to handling your financial data responsibly.

1. Information We Collect

  • Account information: your name, email address, and authentication data.
  • Financial data: account details and transaction history retrieved from banks you connect via open banking (PSD2), and data from statement files you import.
  • Preferences: settings such as base currency, language, categories, and rules you create.
  • Technical data: limited logs and device/session information used to operate and secure the Service.

2. How We Use Your Information

  • To aggregate, categorize, and display your transactions and financial summaries.
  • To categorize transactions automatically using AI, only when you enable AI categorization in the app (see "AI categorization" below).
  • To operate, secure, and support the Service, and to communicate with you about it.
  • To analyze usage with first-party product analytics so we can improve the app (we do not track you across other companies' apps or websites).
  • To send push notifications and product emails when you opt in.

3. Sharing & Processors

We do not sell your personal data. We share data only with service providers who process it on our behalf, including:

  • Enable Banking (Enable Banking Oy, a licensed open-banking provider regulated under PSD2): to securely connect to your bank and retrieve your account and transaction data on your behalf. See enablebanking.com.
  • Anthropic(Anthropic PBC, our AI provider): to categorize transactions automatically, only with your in-app consent. See "AI categorization" below for exactly what is sent.
  • PostHog(product analytics, hosted in the EU): to understand how the app is used and improve it. We use this only for first-party analytics; we do not use it to track you across other companies' apps or websites.
  • OneSignal: to deliver push notifications and product emails when you opt in.
  • RevenueCat: to manage subscriptions and validate purchases.
  • Hosting & database providers: to run the Service and store your data.

We do not store your bank login credentials.

AI Categorization

Brixa can sort your transactions automatically using an AI model operated by Anthropic PBC. This happens only if you enable AI categorization in the app (asked during onboarding; changeable anytime in Settings). If you keep it off, no transaction data is sent to Anthropic and you can categorize transactions manually or with rules.

When enabled, the following data is sent to Anthropic for processing only:

  • Transaction details: description, merchant/counterparty name, counterparty account number as it appears in the transaction, amount, currency, and date.
  • Your account display names and the account holder name as it appears on transfers.
  • The names of your spending categories.

We never send your bank login credentials (we do not have them), your email address, or your bank access tokens. Under our commercial agreement, Anthropic does not use this data to train its models and processes it solely to provide categorization results back to us, subject to confidentiality and security obligations consistent with this policy. Individual merchant names (not linked to you) may also be looked up via Google's Places service and Anthropic to identify unknown merchants; these lookups contain no amounts, dates, or account information.

4. Data Retention

We retain your information for as long as your account is active or as needed to provide the Service. You may delete your account, after which we will delete or anonymize your personal data except where retention is required by law.

5. Your Rights

Depending on your location, you may have rights to access, correct, export, or delete your personal data, and to withdraw consent for bank connections at any time. To exercise these rights, contact us at the address below.

6. Security

We use technical and organizational measures to protect your data, including encryption in transit and access controls. No method of transmission or storage is completely secure, but we work to safeguard your information.

7. Changes

We may update this Privacy Policy from time to time. Material changes will be communicated through the Service.

8. Contact

For privacy questions or requests, contact ZATECH at andrew@usebrixa.com.

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