Privacy Policy

1. Summary

We keep only what the Service needs to work, do not sell your data, do not show ads, do not use your data to train artificial intelligence models, and delete everything on request. Access to connected accounts is read-only.

This Policy applies only to Vaulto Finance (finance.vaultonote.com and the Telegram bot). Data in your shared Vaulto account (email, name, password) is processed under the Vaulto Privacy Policy.

2. What data we process

Account data: identifier, email and name, provided by the Vaulto sign-in service.

Financial data you have added or connected: accounts, balances, transactions, deposits, investments, cryptocurrency, property, debts, income, recurring payments and subscriptions, and goals.

Access keys for connected services (read-only permissions only), which are stored encrypted and used solely to retrieve your data.

Your messages to the AI assistant, uploaded statements and voice messages (if you use them), and settings: country, currency, employment details and the assistant's appearance.

Technical data: sign-in cookies and server logs. There are no advertising or analytics trackers on the site.

3. Why we process it

Only to run the Service: to show your net worth and calculations, update data from connected sources, answer your questions, prepare reports and suggestions, send notifications you have turned on, and maintain security.

4. AI assistant

To generate answers and reports and process statements, data is shared with our artificial intelligence technology provider in de-identified form: without your name, email, phone numbers, wallet addresses or account numbers, which are replaced with placeholder labels. Access keys are never shared with the AI.

We do not use your data to train artificial intelligence models.

5. Who we share data with

We do not sell your data or share it with advertisers. Data is shared only with parties the Service cannot operate without, and only to the extent necessary:

• sources you have connected (banks, brokers, exchanges, blockchain services): requests to read your data on your behalf;

• our AI provider: de-identified data, as described above;

• our speech recognition service: the recording of your voice message, if you use voice input;

• our email delivery service and Telegram: for notifications you have turned on;

• public sources of exchange rates, prices and inflation, without any of your personal data.

We may disclose data if expressly required by law.

6. Where and how long data is stored

Data is stored on servers in the European Union and protected through encryption of access keys, secure connections and access controls.

We keep your data for as long as you use the Service. After deletion ("Settings" → "More" → "Delete all data"), it is erased from the production database immediately and from backups within a reasonable time as they are routinely replaced.

7. Your rights

You can view your data in the app, correct it, export it (ask the AI assistant to export your data) and delete it at any time. If you have questions about your data, contact us using the details listed at vaultonote.com.

8. Changes

We may update this Policy. The new version is published on this page with its date; we will notify you of material changes in advance.