Privacy Policy

This Privacy Policy explains how FinCoach AI (“FinCoach AI”, “we”, “us”) collects, uses, and protects your information when you use our website at www.fincoach.pro and the FinCoach application (together, the “Service”). We take the privacy of your financial information seriously and only collect what we need to run the Service.

Because the Service handles financial data, it matters that you understand what we do with it — and, just as importantly, what we do not do with it. That is set out first.

1. What FinCoach AI is — and is not

FinCoach AI is an educational and analytical tool. You give it portfolio, statement, and watchlist data; it organizes that data, calculates metrics, and generates written explanations, behavioral observations, and general “coaching” content about it. It also offers free calculators, screeners, tips, and informational articles.

It is not any of the following, and it is important that you do not use it as though it were:

• Not an investment platform, broker, or exchange. We do not hold, custody, receive, transfer, or manage your money or assets. We do not place, route, execute, or settle orders or trades, and we cannot do so on your behalf. Any investing you actually do happens with your own broker or exchange, entirely outside the Service. Where you choose to connect a brokerage account, we retrieve data read-only so it can be displayed and analyzed — that connection gives us no ability to trade or move funds.
• We do not give recommendations. Nothing the Service produces — analysis, scores, ratings, valuation views, Stock Radar categories or rankings, tips, coaching messages, charts, or AI answers — is a recommendation, suggestion, endorsement, solicitation, or offer to buy, sell, or hold any security or financial instrument, or an inducement to enter into any transaction. Screens, lists, and example tickers are illustrations of how a metric or concept works, not picks, and their order does not signal preference.
• Not personal advice. All content is general and educational. It does not take into account your objectives, financial situation, tax position, risk tolerance, or needs, and it is not investment advice or a personal recommendation within the meaning of MiFID II, the US Investment Advisers Act, or any similar regime.
• Not a regulated financial firm. FinCoach AI is not a bank, broker-dealer, investment firm, portfolio manager, fund, financial adviser, or registered investment adviser, and is not authorized, licensed, or supervised as any of those by any financial regulator.
• Your decisions are yours. You are solely responsible for what you do with the information the Service shows you. Investing carries risk, including the loss of your entire capital, and past performance is not a reliable indicator of future results. Before acting, consider seeking advice from a licensed professional.

This matters for your privacy because it defines the limits on what we do with your data. Your portfolio data is used to show you your own information and to generate educational analysis of it — never to manage your money, never to place a trade, never to produce a personalized investment recommendation, and never to profile you as a sales target for financial products. The full legal disclaimer is in our Terms & Conditions.

2. Who we are

The Service is operated by the team behind FinCoach AI (“we”, “us”, the operator). For the purposes of the EU General Data Protection Regulation (GDPR) and the UK GDPR, the operator is the data controller of your personal data. You can reach the person responsible for data protection using the contact details below.

You can reach us about privacy at [email protected].

3. What data we collect

We collect the following categories of data:

• Account data — your email address and authentication details, created when you sign up. Authentication is handled by our provider, Supabase.
• Financial & portfolio data you provide — broker and exchange statements you upload, holdings, transactions, options and crypto positions, and any notes or goals you enter. This can include sensitive financial detail about your investments.
• Preferences — settings such as your chosen display language and currency.
• Technical data — IP address, browser type, device information, and approximate location (country/region) derived from your IP, used to serve the site, keep it secure, and choose your default language.
• Support communications — messages you send us by email.

We do not intentionally collect special-category data (such as health, religion, or political views). Please do not upload documents containing such information.

We also do not ask for and do not want your brokerage login credentials, trading passwords, or payment card details. The Service has no need for them, because it cannot and does not trade for you.

4. How and why we use your data

We use your data to:

• Create and secure your account and log you in;
• Import and parse your statements and build your portfolio view;
• Generate educational portfolio analysis, behavioral insights, and AI coaching based on your positions;
• Retrieve live market data for the tickers you track or research;
• Show the site in your language and remember your preferences;
• Maintain security, prevent abuse, debug, and improve the Service;
• Respond to your support requests and legal obligations.

Just as importantly, we do not use your data to:

• Execute, arrange, or influence trades, or move money or assets — the Service has no such capability;
• Produce personal investment recommendations or advice, or to manage your portfolio for you;
• Sell your personal data, or use it for third-party advertising or advertising profiles;
• Share your holdings with brokers, issuers, fund managers, or other product providers so they can market to you;
• Receive commissions, referral fees, or payment for order flow — no third party pays us to place a ticker, rating, or idea in front of you.

5. AI processing of your data

A core feature of the Service is AI-generated analysis. To produce it, the portfolio and market data relevant to your request is sent to our AI provider, Anthropic (the Claude API), which processes it to generate the response and returns it to us. We send the minimum context needed to answer your request. Under Anthropic’s commercial terms, data submitted through the API is not used to train their models.

AI output can be incomplete or wrong. It is generated automatically and is educational information, not financial, investment, tax, or legal advice, and not a recommendation to buy, sell, or hold anything — even when it discusses your specific holdings, and even when it is phrased confidently. No human adviser reviews it, and it is not a regulated advisory service. See our Terms & Conditions for the full disclaimer.

We do not use AI to make automated decisions that produce legal or similarly significant effects for you within the meaning of Article 22 GDPR. The Service does not approve or deny you anything, does not score you as a customer, and does not act on its own output — every decision about your money remains yours.

6. Legal bases for processing (GDPR)

Where the GDPR applies, we rely on the following legal bases:

• Performance of a contract — to provide the Service you asked for (your account, imports, analysis).
• Legitimate interests — to secure, maintain, and improve the Service and prevent abuse, balanced against your rights.
• Consent — where required, for example any optional processing; you may withdraw consent at any time.
• Legal obligation — where we must retain or disclose data by law.

7. Who we share data with

We share data only with service providers (“processors”) that help us run the Service, under contracts that require them to protect it and use it only on our instructions:

Market-data and brokerage providers appear above because we request price, fundamental, and account data from them; we do not send them your portfolio for their own purposes, and we do not send them instructions of any kind on your behalf.

We may also disclose data if required by law, to enforce our Terms, or in connection with a business transfer (such as a merger or acquisition), in which case we will notify you.

8. International data transfers

Some of our providers are located outside your country, including in the United States. Where we transfer personal data internationally, we rely on appropriate safeguards such as the European Commission’s Standard Contractual Clauses or an adequacy decision, so that your data continues to be protected.

9. How long we keep your data

We keep your account and portfolio data for as long as your account is active. If you delete your account, we delete or anonymize your personal data within a reasonable period, except where we must retain some information to meet legal obligations or resolve disputes. You can ask us to delete your data at any time (see “Your rights”).

Because we are not a broker or a regulated financial firm, we are not required to retain your data as a transaction or trade record, and we do not keep it for that purpose.

10. Security

We use technical and organizational measures to protect your data, including encryption in transit, access controls, and reputable infrastructure providers. No method of transmission or storage is completely secure, so we cannot guarantee absolute security, but we work to protect your information and to respond promptly to any incident.

11. Your rights

Depending on where you live, you may have the right to:

• Access the personal data we hold about you;
• Correct inaccurate data;
• Delete your data (“right to be forgotten”);
• Restrict or object to certain processing;
• Receive your data in a portable format;
• Withdraw consent where processing is based on consent;
• Lodge a complaint with your local data protection authority.

To exercise any of these rights, email us at [email protected]. We will respond within the timeframe required by applicable law.

12. Children

The Service is not directed to children under 16 (or the minimum age in your country), and we do not knowingly collect their data. If you believe a child has provided us data, contact us and we will delete it.

13. Changes to this policy

We may update this policy from time to time. We will post the updated version here with a new “Last updated” date and, for material changes, take reasonable steps to notify you.

14. Contact

Questions about this policy or your data? Email [email protected].

FinCoach AI provides educational tools and AI-generated information about your portfolio. It is not an investment platform: it does not hold your money, does not execute trades, and does not make recommendations. It is not a bank, broker, exchange, or registered investment adviser, and nothing in the Service is financial, investment, tax, or legal advice or a personal recommendation. Investing involves risk, including loss of capital, and all decisions are your own. See our Terms & Conditions.