FinStudio is a personal record-keeping tool. You add your own credit cards, bills, loans, leases, BNPL plans, and bank balances by hand. FinStudio does not connect to your bank and does not import any transactions.
What we collect
The only information FinStudio stores about you is:
- The email address you use to sign in.
- The accounts and details you enter yourself — for example nicknames, balances, limits, APRs, due dates, payment history, notes, and any logos or artwork you upload for an account or institution.
- A record of when you use FinStudio (for example the timestamp of a payment you logged, or when you last updated a balance).
FinStudio does not use third-party analytics, advertising, tracking pixels, or marketing SDKs.
How we store it
Your data is stored in a managed Postgres database provided by Supabase. Access to your rows is enforced by database-level row-level security tied to your account, so other FinStudio users cannot read or change your data. Uploaded images (account artwork, institution logos) are stored in a private Supabase storage bucket scoped to your user ID.
FinStudio is not zero-knowledge. Authorized operators of the underlying infrastructure (Supabase and our hosting provider) can technically access stored data — for example to restore a backup or debug an incident.
Signing in
Authentication is handled by Supabase Auth using an email and password you choose. Your session is kept in your browser's local storage so you don't have to sign in on every visit. FinStudio does not currently support social sign-in.
AI-generated insights
When you open "Insights", FinStudio builds a summary of your active accounts and sends it to an AI provider (the Lovable AI Gateway) to draft a short briefing. The result is cached in your account so we don't re-send the same summary repeatedly.
What the summary includes:
- Your account nicknames (e.g. "Chase Freedom", "Rent"), along with balances, credit limits, APRs, and due dates. You can turn this off in Settings → AI privacy; when the "Hide account nicknames from AI" toggle is on (the default), FinStudio replaces your nicknames with generic labels like "Card 1" or "Loan 1" before anything is sent to the AI provider.
- Upcoming and overdue amounts, and a short list of pending payments (amount and date).
- Aggregate figures such as total utilization and totals posted this month.
What we never send:
- Your email address, user ID, or any Supabase database IDs.
- Uploaded images (account artwork or institution logos).
- Card numbers, the last 4 digits, or institution contact details.
- Payment notes you type in.
FinStudio does not have contractual assurances from the AI provider about long-term retention or model training on your prompt. With the redaction toggle off, treat account nicknames as information that leaves our servers.
What we do not do
- We do not sell your data.
- We do not share your data with advertisers.
- We do not connect to your bank or import transactions.
- We do not run third-party analytics or tracking scripts.
Cookies and local storage
FinStudio does not set marketing or analytics cookies. Your Supabase authentication session is stored in your browser's local storage so you stay signed in. If you clear your browser storage, you'll need to sign in again.
Your rights
You can export a copy of your data at any time from Settings → Export for AI. The export contains everything FinStudio has stored for your account, as JSON.
Self-service account deletion is not currently available in the app. Signed-in users can request permanent deletion by opening a ticket from Settings → Support. We process every request manually.
Changes
If we materially change how we handle your data, we'll update this page and note the change date at the top.
Contact
Questions about privacy? Sign in and open a ticket from Settings → Support.