Privacy policy

Last updated 30 October 2026

Who we are

Finvo is made by RICHBERRY LTD, a company registered in England and Wales (company number 11756146), with its registered office at 27 Old Gloucester Street, London, WC1N 3AX. Richard Turner is the founder. In this policy "we" means RICHBERRY LTD and "Finvo" means the Finvo app for Mac.

Questions about privacy: email [email protected].

What Finvo keeps, and where

Everything you put into Finvo is stored on your own Mac: your accounts and payments, budgets, documents and receipts, emails it has read for you, notes and settings. It's kept in an encrypted database in your Mac user folder. The key to that database, and any passwords or sign-in tokens for services you connect, are kept in your Mac's Keychain.

The Finvo app has no user accounts. Your Finvo database isn't copied to us, and we can't see or recover it. When you use an AI feature, what that feature needs is sent to our own AI servers in our own data centre (see AI). If you give us a waitlist address, we keep that too (see Waitlist). If you make a backup or export, it goes where you choose to save it.

Services Finvo connects to

Finvo only talks to an outside service after you set it up. Each one gets only what it needs to do the job you asked for. These services have their own privacy policies.

Google Sheets (for example, an Emma export)

If you connect a Google Sheet, Finvo asks Google for read-only access to your spreadsheets (the spreadsheets.readonly permission). You sign in with Google in your web browser and Finvo keeps the sign-in token in your Keychain.

• Finvo only reads the sheet you link to, and only to bring its transactions into Finvo on your Mac. It can't change or delete anything in your Google account.
• The data goes straight from Google to your Mac. If you use an AI feature, details that came from the sheet may be sent to our own AI servers, only to give you that feature (see AI). It is never sent to a cloud provider or anyone else.
• We don't sell it, use it for advertising, or use it to build or train AI models.
• You can disconnect in Finvo under Settings, or remove Finvo's access at any time from your Google Account at myaccount.google.com/permissions.

Finvo's use and transfer of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

Email accounts

If you add an email account (Gmail, iCloud Mail, Yahoo, Fastmail, Zoho or another provider that supports IMAP), Finvo signs in from your Mac with an app password you create with that provider. It reads your mail directly from your provider to your Mac, read-only: it never marks, moves, deletes or sends email. It looks for receipts, invoices and bills, for emails to and from the accountant you name, and, when you ask, for the email receipt of a particular payment. Copies are stored on your Mac only, with remote images and scripts removed. Passwords stay in your Mac's Keychain. You can remove an app password with your provider at any time.

AI (optional)

Finvo's AI runs only on our own servers in our own data centre, never on a cloud AI service such as OpenAI, Anthropic or OpenRouter. When an AI feature runs, Finvo sends our servers only what that feature needs:

• sorting payments: the payee's name and whether money went in or out;
• reading a document or receipt: that document;
• your accountant's emails: the one conversation being read or summarised;
• a question you ask: your question and the figures Finvo looks up to answer it.

This may include details that came from your Google Sheet or email, sent only to give you the feature you turned on. You can set a monthly limit, and turn AI features off at any time.

Other services you can turn on

These are services you choose to connect. Each one gets only what that feature needs, and each has its own privacy policy and terms.

• Banks through open banking: if you connect a bank, your bank shares your balances and transactions with Finvo through a regulated open banking provider, with your permission.
• TrueLayer: if you connect a UK bank through TrueLayer (regulated by the FCA), your balances and transactions come from TrueLayer straight to your Mac, never through a Finvo server; the sign-in stays in your Keychain.
• Wise: with a token you create, Finvo reads your Wise balances and transactions.
• Companies House: Finvo looks up public information about a company you add, such as filing deadlines.
• Prices: Finvo fetches public exchange rates and, if you track them, public crypto prices. It only sends the currencies or coins it needs prices for.
• Notifications: alerts show on your Mac only, unless you add a channel. Email alerts go through your own mail provider, with names and amounts unless you choose Private. If you turn on a service such as Pushover, ntfy, Slack or Discord and tick to confirm, Finvo sends the alert text to that service, outside our data centre; amounts are left out unless you tick "Include amounts".
• Webhooks: if you add a webhook, Finvo sends payment events you pick (such as a new payment, with its payee, amount and account) to the address you enter. For an address outside your Mac and your own network, you tick to confirm first.
• AI apps you connect (MCP): if you connect an AI app such as Claude Desktop to Finvo and tick to confirm, that app receives the Finvo data it reads, under that app's own terms. It may send it to its own cloud.

What we don't do

• No analytics, crash reporting or tracking inside Finvo.
• No advertising, and we never sell or share your data.
• No use of your data to train AI models.

Waitlist

If you join the waitlist on finvo.co.uk, we save your email address and the date you signed up on our own web server, outside the public website. Nothing else is saved with it. Your IP address is used only to stop the form being flooded: it's held in memory for up to 10 minutes and isn't saved with your address. We use your address only to send you one email when Finvo is ready to download, then delete it. We never share it or use it for anything else. To be taken off sooner, email [email protected]. We keep your address because you asked us to (your consent), and you can withdraw that at any time.

Keeping and deleting your data

Your data stays on your Mac until you delete it. You can remove documents and connections inside Finvo, and you can remove everything by deleting Finvo and its data folder from your Mac. Disconnecting a service in Finvo removes its saved sign-in from your Keychain.

Your rights

Under UK data protection law you have rights over your personal data, including to see it, correct it and have it deleted. Because your Finvo data is only on your Mac, you can do all of this yourself in the app. For your waitlist address, email [email protected] to see, correct or delete it. If you have a question or concern, email us. You can also complain to the Information Commissioner's Office at ico.org.uk.

Children

Finvo is for adults managing their own finances. It isn't meant for anyone under 18.

Changes to this policy

If we change how Finvo handles data, we'll update this page and the date at the top before the change takes effect.