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Privacy Policy

Last updated: January 2, 2026

Nett ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance management service.

Please read this privacy policy carefully. By using Nett, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Account Information: When you create an account, we collect your email address and payment information (processed securely by Stripe).

Financial Account Data: When you connect your bank accounts through our service (powered by Stripe Financial Connections), we access:

• Account balances
• Transaction history (including date, amount, and merchant/description)
• Account holder name and account identifiers
• Institution name and account type

Usage Information: We may collect information about how you interact with our service, including access times and pages viewed.

How We Use Your Information

We use the information we collect to:

• Provide our core service: generating monthly cash flow summaries and reports
• Send you your monthly financial reports via email
• Calculate and display your income, expenses, and net cash flow
• Allow you to export your transaction data
• Process your subscription payments
• Respond to your inquiries and provide customer support
• Send service-related communications (e.g., subscription confirmations, important updates)

How We Protect Your Information

We implement appropriate technical and organizational security measures to protect your personal and financial information:

• All data is encrypted in transit using TLS/SSL
• Financial account connections are handled securely through Stripe Financial Connections—we never see or store your bank login credentials
• Payment information is processed by Stripe and never stored on our servers
• We use secure cloud infrastructure with industry-standard security practices
• Access to user data is strictly limited to essential personnel

Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: We use trusted third-party services to operate our business, including:
  • Stripe (payment processing and bank account connections)
  • Email service providers (to send your reports)
  • Cloud hosting providers
• Legal Requirements: We may disclose your information if required by law, court order, or government request
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction

Your Data Rights

You have the following rights regarding your data:

• Access: You can export all your transaction data at any time in CSV format
• Correction: You can update your account information at any time
• Deletion: You can request deletion of your account and all associated data by contacting us
• Disconnect: You can disconnect your bank accounts at any time through your account settings
• Portability: You can download your data in a machine-readable format

Data Retention

We retain your financial data for as long as your account is active. Transaction history is stored to provide you with historical reports and trends. When you delete your account, we will delete your personal and financial data within 30 days, except where retention is required by law or for legitimate business purposes (e.g., fraud prevention, financial records).

Cookies and Tracking

We use essential cookies to maintain your session and keep you logged in. We do not use advertising cookies or sell data to advertisers. We may use basic analytics to understand how our service is used and to improve it.

Third-Party Links

Our service may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read the privacy policies of any third-party sites you visit.

Children's Privacy

Nett is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will delete it promptly.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your information, and the right to opt out of the sale of your information. As noted above, we do not sell personal information.

International Users

Nett is operated in the United States. If you are located outside the United States, please be aware that your information will be transferred to, stored, and processed in the United States. By using our service, you consent to this transfer.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by sending an email to the address associated with your account or by posting a notice on our website. Your continued use of the service after such modifications constitutes your acknowledgment of the modified policy.