Privacy Policy

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 improve categorization, including automated processing of transaction descriptions by an AI provider.
• To operate, secure, and support the Service, and to communicate with you about it.

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.
• AI provider — to categorize transactions; transaction descriptions may be sent for processing.
• Hosting & database providers — to run the Service and store your data.

We do not store your bank login credentials.

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@zacker.tech.