Privacy
How finko protects your data.
Your finances stay on your computer. This page shows what stays there, what leaves it, and why.
What stays, and what travels
A diagram. Your financial data stays in one file on your computer. Your email, plan and licence pass between your computer and finko, never your financial data. Exchange rates come from public sources, asked for by currency.
What stays on your computer
Your finances, in one file.
Transactions, accounts, investments and net worth live in a single file on your computer. finko keeps no copy anywhere else.
No bank logins.
You download a statement from your bank and import it. finko never connects to your bank.
Yours to take with you.
Export everything to one file at any time, and restore it on a new computer.
What reaches finko
finko knows only what it needs to sign you in and unlock your plan. Your financial data never reaches its servers.
| What | Why |
|---|---|
| Your email address | You sign in with a code that finko emails to you. |
| Your plan and licence | They unlock the features you paid for. |
| The computers you use | An account works on one computer at a time. finko keeps each computer’s system, app version and last use. |
| Your app version | finko checks it to offer you updates. |
| Your card details | They go to Paddle, finko’s payment provider. finko only learns which plan you chose. |
What comes from public sources
Exchange rates are public. finko asks for them by currency, such as EUR or USD, and never says how much you hold.
| What | Where from |
|---|---|
| Exchange rates | The European Central Bank, through Frankfurter, with a backup feed for the currencies the bank does not publish. |
| Share prices | None. finko values your holdings at the prices in your own trades, or at a price you enter. |
Lock your file with a passphrase
Turn on encryption, and finko scrambles your file with a key made from a passphrase you choose. Anyone who copies the file sees only noise.
- 1You choose a passphrase.
- 2finko locks your file with it.
- 3finko asks for it each time it starts.
There is no reset.
If you forget the passphrase, your data cannot be recovered, by you or by finko. Keep it in a password manager.
- Encryption protects the file while it sits on your computer. While finko is open, anyone using your computer can see your data.
- An export is a plain copy. Keep it somewhere safe, or delete it when you are done.
If something goes wrong
finko keeps an error log on your computer and sends nothing on its own. If you want help, you can email the report to finko’s support, and you see all of it first. finko collects no usage data and no crash reports.
This website
This website sets no cookies. Every file on it comes from finko’s own address, so no other company sees your visit.
The privacy policy says the same in legal terms.Read the privacy policy