1. Introduction
[Company Name] ("we," "us," or "our") operates the StashBeat personal finance management platform (the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.
We are committed to protecting your privacy and ensuring the security of your personal data. This policy complies with the General Data Protection Regulation (GDPR) and applicable Hungarian data protection laws.
By using our Service, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our Service.
2. Information We Collect
2.1 Personal Information
When you register for an account, we collect:
- Email address
- Password (encrypted)
- Display name (optional)
- Profile picture (optional)
- Preferred currency and language settings
2.2 Financial Information
To provide our core services, we collect and process:
- Bank account information (account numbers, balances)
- Transaction data (amounts, dates, merchant names, categories)
- Financial institution identifiers
- Manually entered financial data
2.3 Usage Data
We automatically collect certain information when you access our Service:
- Device type and operating system
- Browser type and version
- IP address
- Pages visited and features used
- Date and time of access
- Referring website
2.4 Device Information
For security purposes (including two-factor authentication), we may collect device fingerprints and trusted device identifiers to recognize your devices and prevent unauthorized access.
3. How We Use Your Information
We use the information we collect for the following purposes:
- Provide and maintain the Service: Including syncing your bank accounts, displaying transactions, and generating financial insights.
- Personalize your experience: Customizing dashboards, reports, and recommendations based on your financial data.
- Improve our Service: Analyzing usage patterns to enhance features and fix issues.
- Communicate with you: Sending service updates, security alerts, and (with your consent) marketing communications.
- Ensure security: Detecting and preventing fraud, unauthorized access, and other malicious activities.
- Legal compliance: Meeting our legal and regulatory obligations.
We process your data based on one or more of the following legal bases under GDPR: performance of a contract, legitimate interests, legal obligation, or your explicit consent.
4. Open Banking and Third-Party Data Providers
4.1 About Open Banking
StashBeat uses Open Banking technology to securely connect to your bank accounts and retrieve your financial data. This is enabled through regulated third-party providers, including GoCardless (Enable Banking), which operates under the Payment Services Directive 2 (PSD2) framework.
4.2 How Bank Connections Work
When you connect a bank account:
- You are redirected to your bank's secure authentication page
- You authorize StashBeat (via our Open Banking provider) to access your account data
- We receive read-only access to your account information and transactions
- We never receive, store, or have access to your bank login credentials
- We cannot initiate payments or modify your accounts in any way
4.3 Data Minimization
We only request access to the minimum data necessary to provide our services:
- Account holder name and account identifiers
- Account balances
- Transaction history (typically up to 90 days)
4.4 GoCardless (Enable Banking)
Our Open Banking integration is powered by GoCardless, a regulated Account Information Service Provider (AISP). GoCardless is authorized by the UK Financial Conduct Authority and operates across the European Economic Area under PSD2 regulations.
When you connect your bank through our Service, your data is transmitted securely via GoCardless. Their privacy policy and data handling practices are available at gocardless.com/privacy.
5. Data Sharing and Third Parties
We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:
5.1 Service Providers
We engage trusted third-party companies to perform services on our behalf, including:
- Cloud hosting and infrastructure (Supabase)
- Open Banking connectivity (GoCardless/Enable Banking)
- AI features (OpenAI) and merchant logo matching (Ntropy)
- Email delivery services
- Analytics providers
These providers are contractually bound to protect your data and may only use it to provide services to us.
5.2 Legal Requirements
We may disclose your information if required by law, court order, or government regulation, or if we believe such action is necessary to:
- Comply with legal obligations
- Protect our rights or property
- Prevent fraud or illegal activity
- Protect the safety of users or the public
5.3 AI-funktioner: vad vi skickar till OpenAI och Ntropy
Vissa StashBeat-funktioner använder AI. Här står exakt vad var och en skickar, så att du ser vad som lämnar våra servrar. Dina inloggningsuppgifter till banken, lösenord och fullständiga kontoutdrag skickas aldrig.
Vi använder två leverantörer: OpenAI, som skriver assistentens svar, texterna i sammanfattningarna och kategoriförslag, och Ntropy, som matchar handlare med deras logotyp.
Vad varje funktion skickar
Personnamn ersätts eller utelämnas innan något skickas, enligt beskrivningen för varje funktion:
- AI-assistent (bara när du ställer en fråga): din fråga och de senaste 8 meddelandena i konversationen, plus resultaten av de uppslag den gör för att svara (endast läsning), till exempel summor, budgetar, mål och enskilda transaktioner (datum, belopp, valuta, kategori, handlare, kontonamn och bankens transaktionstext). Innan något skickas blir personnamn "[name]" eller "Personal transfer", IBAN och kort- och kontonummer blir "[account number]", och en partner i hushållet kallas bara "din partner".
- Automatisk kategorisering (i bakgrunden, för transaktioner som våra egna regler inte kan placera): handlaren, de första 200 tecknen av transaktionstexten, mottagarens namn, belopp, valuta, riktning, bankens transaktionskod och handlarens kategorikod, plus namnen på dina kategorier. Betalningar som ser ut att gå till eller komma från en person skickas inte. Datum skickas inte.
- "Föreslå med AI" på en transaktion (när du klickar): transaktionens text, belopp, valuta, datum och handlare, plus namn och nyckelord för dina kategorier. Funktionen används inte för betalningar som ser ut att gå till eller komma från en person.
- Sammanfattningar (veckovis, kvartalsvis och årsvis): summor och jämförelser, de viktigaste kategorierna och handlarna, budgetar nära gränsen, namn på och framsteg för dina mål, nya och kommande abonnemang samt ditt största köp. En person du har betalat visas som "Personal transfer".
- AI-konfiguration och förslag (när du startar dem): namn och nyckelord för dina befintliga kategorier och konton, ditt land, din tidszon, ditt språk och din adress; för ett företag även dess namn, bransch, webbplats och plan; vid mappning av kontoplanen varje kontos namn, typ, beskrivning och nyckelord.
- Handlarlogotyper (Ntropy plus en bildkontroll av OpenAI): handlarens rensade namn, en landskod och bilden av den tänkta logotypen. Namn som ser ut som en person skickas aldrig.
OpenAI sparar assistentens förfrågningar så att en konversation kan fortsätta; enligt OpenAI:s API-villkor i upp till 30 dagar, och "Rensa chatthistorik" ber OpenAI att radera dem. Förfrågningar för sammanfattningar skickas med lagring avstängd. Enligt OpenAI:s API-villkor används data som skickas via API:et inte för att träna deras modeller. Mer information: platform.openai.com/docs/guides/your-data.
Under Profil och säkerhet finns två inställningar. Agent stänger av chatten med assistenten. AI i andra funktioner stänger av AI-kategorisering i bakgrunden, "Föreslå med AI", AI-konfiguration och nyckelordsförslag, den AI-skrivna texten i sammanfattningar och matchning av handlarlogotyper. Med båda avstängda skickas ingen av din data till OpenAI eller Ntropy.
Du kan när som helst radera din konversationshistorik med AI-assistenten via Rensa chatthistorik. Konversationen tas då bort permanent från StashBeat. Om vi har sparat OpenAI:s svars-ID:n för konversationen ber vi OpenAI att radera dem, så långt det är möjligt.
6. Data Security
We implement robust security measures to protect your personal information:
- Encryption: All data is encrypted in transit (TLS 1.3) and at rest (AES-256)
- Access controls: Strict role-based access to systems and data
- Authentication: Secure password hashing and optional two-factor authentication
- Monitoring: Continuous security monitoring and logging
- Regular audits: Periodic security assessments and penetration testing
While we strive to protect your data, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining industry-standard protections.
7. Data Retention
We retain your personal data for as long as necessary to provide our services and fulfill the purposes described in this policy:
- Account data: Retained while your account is active and for 30 days after deletion request
- Transaction data: Retained while your account is active
- Bank connection tokens: Automatically expire per PSD2 requirements (typically 90-180 days) and require re-authorization
- Usage logs: Retained for up to 12 months for security and analytics purposes
- IP-adress vid inloggning med Google eller Apple: När du fortsätter med Google eller Apple sparar vi din IP-adress i ungefär 15 minuter, enbart för att koppla landet du valde till din registrering. Sedan raderar vi den.
- Legal records: Retained as required by applicable law
When you delete your account, we will delete or anonymize your data within 30 days, except where we are required by law to retain certain information.
8. Your Rights Under GDPR
Under the General Data Protection Regulation, you have the following rights regarding your personal data:
- Right of Access: You can request a copy of the personal data we hold about you.
- Right to Rectification: You can request that we correct inaccurate or incomplete data.
- Right to Erasure: You can request that we delete your personal data ("right to be forgotten").
- Right to Restrict Processing: You can request that we limit how we use your data.
- Right to Data Portability: You can request your data in a structured, machine-readable format.
- Right to Object: You can object to processing based on legitimate interests or for direct marketing.
- Right to Withdraw Consent: Where processing is based on consent, you can withdraw it at any time.
To exercise any of these rights, please contact us at dpo@stashbeat.com. We will respond to your request within 30 days.
You also have the right to lodge a complaint with the Hungarian National Authority for Data Protection and Freedom of Information (NAIH) or your local supervisory authority.
10. Children's Privacy
Our Service is not intended for individuals under the age of 16 (in accordance with Hungarian law and GDPR). We do not knowingly collect personal information from children. If you believe we have inadvertently collected data from a child under 16, please contact us immediately at dpo@stashbeat.com, and we will take steps to delete such information.
11. International Data Transfers
Your data is primarily stored and processed within the European Economic Area (EEA). If we transfer data outside the EEA, we ensure appropriate safeguards are in place, such as:
- European Commission adequacy decisions
- Standard Contractual Clauses (SCCs)
- Binding Corporate Rules where applicable
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:
- Posting the updated policy on our website
- Updating the "Last updated" date at the top of this policy
- Sending you an email notification for significant changes
We encourage you to review this policy periodically to stay informed about how we protect your data.
13. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact our Data Protection Officer: