Privacy Policy

At FinXclusive, operated by Netgrawl Limited ("we," "us," or "our"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.

By using FinXclusive, 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 services.

We collect information that you provide directly to us, including:

• Personal identification information (name, email address, phone number)
• Financial information (transaction history, income, expenses, budgets, savings goals, wallet balances)
• Business information (company name, business type, tax identification - for Pro/Enterprise users)
• Account credentials (username, password - stored securely using industry-standard hashing)
• Profile information (profile photo, preferences, currency settings)
• Task and reminder data (for personal productivity features)

We also automatically collect certain information when you use our services, including:

• Device information (device model, operating system, app version, device ID)
• Network information (IP address, browser type, connection type)
• Usage patterns (features used, session duration, interaction data)
• Error logs and crash reports (to improve app stability)

Note: We do not collect bank account numbers or routing information. We only collect transaction data that you manually enter or import into the application.

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and manage your account
• Send you important updates and notifications about your account and our services
• Respond to your inquiries and provide customer support
• Detect and prevent fraud, abuse, and security threats
• Comply with legal obligations and regulatory requirements
• Analyze usage patterns to enhance user experience and develop new features
• Send you marketing communications (only with your consent, and you can opt-out at any time)

Marketing Communications: We will only send you marketing emails, newsletters, or promotional materials if you have opted in to receive them. You can opt-out of marketing communications at any time by:

• Clicking the "unsubscribe" link in any marketing email
• Updating your preferences in your account settings
• Contacting us at support@finxclusive.com

Note that even if you opt-out of marketing communications, we may still send you important transactional and account-related messages.

We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.

Our security measures include:

• Encryption: Sensitive financial data is encrypted using AES-256 encryption. Encryption keys are stored in platform secure storage (iOS Keychain, Android Keystore).
• Secure Communication: All data transmitted between your device and our servers uses HTTPS (TLS 1.3) encryption.
• Authentication: We use JWT (JSON Web Tokens) and OAuth 2.0 for secure authentication. Passwords are hashed using bcrypt before storage.
• Offline Security: Data stored locally on your device is encrypted at rest using application-level encryption.
• Access Controls: Role-based access control ensures that only authorized personnel can access user data.
• Regular Security Audits: We conduct regular security assessments and vulnerability testing.
• Data Backup: Your data is securely backed up with encryption in place.

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security, but we continuously work to improve our security measures.

If you suspect any unauthorized access to your account, please contact us immediately at security@finxclusive.com.

We use cookies and similar tracking technologies to track activity on our platform and store certain information. Cookies are files with small amounts of data that are sent to your browser and stored on your device.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until deleted or expired).

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

When we no longer need your personal information, we will securely delete or anonymize it in accordance with our data retention policies and applicable laws.

We may employ third-party companies and individuals to facilitate our services, provide services on our behalf, or assist us in analyzing how our services are used.

Payment Processors: We use third-party payment processors (such as Google Billing, Apple In-App Purchases, and Paystack) to handle subscription payments and financial transactions. These processors have access to payment information necessary to process transactions, but they are prohibited from using your personal information for any other purpose. Payment processors are subject to their own privacy policies and terms of service.

Cloud Infrastructure: We use cloud service providers to host our services and store data. These providers implement industry-standard security measures and are contractually obligated to protect your data.

Analytics and Monitoring: We may use analytics services to understand how our services are used and to improve user experience. These services may collect anonymized usage data.

All third parties with access to your personal information are contractually obligated to:

• Use your information only for the specific purposes we have authorized
• Implement appropriate security measures to protect your data
• Not disclose or sell your information to other parties
• Comply with applicable data protection laws

You have the right to:

• Access and receive a copy of your personal data
• Rectify inaccurate or incomplete personal information
• Request deletion of your personal data (right to be forgotten)
• Object to processing of your personal data
• Request restriction of processing your personal data
• Data portability - receive your data in a structured format
• Withdraw consent at any time where processing is based on consent

To exercise other rights, please contact us using the contact information provided below.

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age.

If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child under 18 without verification of parental consent, we will take steps to delete that information from our servers.

If you are between 13 and 18 years of age, you may use our services only with the consent and supervision of a parent or guardian.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Posting the updated Privacy Policy on this page with a new "Last updated" date
• Sending you an email notification to the address associated with your account (for significant changes)
• Displaying a prominent notice in our mobile application or website

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

If you do not agree with any changes to this Privacy Policy, you may stop using our services and request deletion of your account.

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

We will respond to your inquiry within 30 days of receipt.