Privacy Policy

Introduction

Fintelli Ltd ("Fintelli", "we", "our", or "us") is a company registered in England and Wales whose registered office is at 7 Bell Yard, London, WC2A 2JR, and whose registered number is 12518341.

We’re registered with the UK data protection authority (the Information Commissioner’s Office or ICO) under reference number ZB243682.

We provide a personal information service (the “Service”) that will allow you to organise your finances so you can see your UK-based current accounts, credit cards and savings accounts ("Personal Accounts") from your banks and other financial institutions (your "Providers") in one clear view in our App. We do this by using technology to communicate with your Providers in a secure way. Refer to our Terms & Conditions for further details about the Service.

Your Personal Data

We (or third parties on our behalf) may collect your Personal Data using different methods:

  1. Direct interactions: Any Personal Data that you have provided to us either by filling in a form on our website / app / social channels or by performing any action on our website / app / social channels or by corresponding with us in person, by email, by chat, phone or by post
  2. Automated interactions: Any Personal Data that we may have automatically collected about your device, location, browsing behaviour and usage pattern
  3. Third parties: Any Personal Data that you have consented us to pull from your Personal Account Providers.

We (or third parties on our behalf) may collect and use any of the following categories of Personal Data about you:

  1. Account and Transactional Information: When you connect Personal Accounts to our Service, we may access, store and process your Account Information held by your account provider. Account Information includes, for example, your account details, account transaction information, account features and benefits and recurring payments. Additionally, we may access, store and process any enriched account transaction information e.g. merchant, category, location and recurrence pattern.
  2. Unique user reference: This is a unique reference which we assign to you when you sign up to use our Service.
  3. Additional Personal Information: Address, device details, location (if permission given), interaction tracking data and data customised by you (e.g. notes, tags, updated categories), supplementary information we may ask you from time to time (for example, employment status).
  4. Technical Information: Your IP address and general processing or monitoring data for performance and technical purposes
  5. Support Information & Testimonials: Messages or emails you send us as well as any reviews/comments you choose to provide to us about our Service.

We use the above Personal Data for the following purposes:

PurposeOur lawful basis for processing this Persona DataType(s) of Personal Data we use for this purpose
To send you updates about our app and services if you have signed-up on our website.ConsentName, email, mobile number
To send communications to you to help you finish your registration with FintelliLegitimate interests – to help us grow and develop our business and help our customers with the account opening processRegistration Information
To register you as a customer so you can our ServiceFulfilling our contract with youRegistration Information
To identify you as a customer and create your Fintelli accountFulfilling our contract with youUnique user reference

Storage of your Personal Data

Your Personal Data is securely stored in Microsoft Azure cloud services within European Economic Area (EEA) in compliance with UK General Data Protection Regulation (GDPR).

Your Personal Data may be securely accessed from outside the EEA by our staff or our Service Providers for the provision of the Service to you. By agreeing to our Service Terms and this Privacy Policy, you explicitly consent to this storage, access and processing.

A subset of your Personal Data may be transferred, stored and processed outside EEA by our Service Providers. However, whenever we transfer your Personal Data outside EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:

  1. We will only transfer your Personal Data to countries that have been deemed by the UK ICO to have adequate data processing regulations.
  2. Where we use certain service providers from countries not having adequate data processing regulations, we may use specific contracts approved for use in the UK which give Personal Data the same protection it has in the UK.
  3. In any other case, we will obtain your explicit consent before any transfer takes place.

Our Partners are bound by the same UK GDPR and/or EU GDPR as we are, but partners could decide to store your data in other countries or parts of the world than we do. That is not in our control and we recommend you read their Privacy Policy carefully. When connecting you to our Partner, either our Partner or our Service will give you easy access to their Privacy Policy. /

Security of your Personal Data

We take the security of your Personal Data very seriously and have appropriate physical, technical and administrative procedures in place to help protect your Personal Data from unauthorised access, use or disclosure as required by law in UK.

Sharing of your Personal Data

Service Providers:

  1. We may share your Personal Data with our Service Providers that assist us in the provision of our Service to you. The Service Providers used by us will only collect, use and disclose your information as instructed by us to provide the Service to you.
  2. Partners:

  3. We may use your Personal Data to enable you to use or purchase the products or services of our partners. When sharing your Personal Data, you remain in control:
    1. We only share your Personal Data where you have requested to connect to our Partner. When connecting you to our Partner, either our Partner or our Service will give you easy access to their Privacy Policy.
    2. Only after receiving such a request, to reduce your manual data input and save you time, we disclose or prefill your Personal Data to our Partner so that they can provide their services.
    3. We won't disclose more than is needed for the products and services of that Partner.
  4. Please remember:
    1. The use of your Personal Data by our Partners will be governed by their Terms and their Privacy Policy. We have no control over it.
    2. Where applicable, you can deactivate an ongoing Personal Data exchange with a Partner. This will stop any further data exchange but be aware that a partner could retain certain Personal Data about you that has been exchanged before.
    3. If you want our Partner to delete your Personal Data, then you should contact them directly.
  5. Regulators and other authorities or bodies who require reporting of processing activities in certain circumstances.
  6. Fraud prevention agencies and law enforcement agencies, where we’re required to help them do their job.
  7. If Fintelli is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information

Retention of your Personal Data

We will keep your Personal Data as long as it is still necessary for the purpose we initially required it.

If you have not logged into the Service for longer than 18 months, we will deactivate your account and delete or anonymise any and all information related to you into our system.

In the case of the company termination or discontinuation of the Service, your Personal Data will be permanently deleted.

Your rights

You have the following rights in relation to your Personal Data:

Right of access: All data that we hold related to your Account is accessible through the App. However, you can request a copy of all Personal Data by sending us an email from the email address you use for your Fintelli account. We can only give you the data we hold ourselves. For any data that you may have shared with our Partners, you may have to request access to that data directly to them.

Right of access: All data that we hold related to your Account is accessible through the App. However, you can request a copy of all Personal Data by sending us an email from the email address you use for your Fintelli account. We can only give you the data we hold ourselves. For any data that you may have shared with our Partners, you may have to request access to that data directly to them.

Right to erasure: You may ask us to delete or remove Personal Data where there is no good reason for us continuing to process it. Please note, however, that we may not always be able to comply with your request to delete or remove Personal Data for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Cookies

Cookies allow the website to collect information about your visit to the website and if you come back to the website. That lets the website show things relevant to you, based on information you’ve entered and stuff you’ve looked at. The length of time stored depends on the cookie, but this is generally between a few minutes and up to two years.

We use these kinds of cookies:

  1. Cookies to help keep you and Fintelli safe (you can't turn these off).
  2. Cookies to give you a better experience (you can turn these off)
  3. Cookies to help show you more relevant ads (you can turn these off)

Links to other websites

Our Service may contain links to and from the websites of our Partners and other third parties.

This includes social media Features, such as the Facebook Like button and Widgets, the “Share this" button or interactive mini-programs that run on our website. Clicking on those links or enabling those Features may allow third parties to collect or share data about you. For example, these Features may collect your IP address or which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. We do not control these third-party websites or Features and are not responsible for their privacy statements. Your interactions with these Features are governed by the Privacy Policy of the company providing it. When you leave one of our websites, we encourage you to read the privacy notice of every website you visit. We do not endorse or otherwise accept any responsibility or liability for the content of third-party websites or third-party Terms and or Policies.

This Privacy Policy only applies to the Personal Data that we collect or which we receive from third party sources.

Our contact details

if there is anything you don’t understand or you’re not happy about, or if you just want to suggest improvements, please get in touch with us by emailing us at [email protected]

Complaints

You have the right to complain to the ICO if you believe we might have broken data protection rules.

However, if you do have a complaint, we would appreciate the chance to deal with your concerns first, so please do contact us in the first instance.

The ICO can be contacted at: Information Commissioner's Office, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF. Telephone: 0303 123 1113 (local rate) or 01625 545 745. Our ICO reference number is ZB243682.

Changes to our Privacy Policy

We may update our Privacy Policy from time to time. Any changes we make to our Privacy Policy in the future will be posted on this page and, where appropriate, provided to you by email or in another appropriate manner.