A short summary
Fineka is a personal finance management application operated by PT Fineka Teknologi Nusantara and based primarily on information entered by you.
- Fineka does not require your bank or e-wallet login credentials to automatically retrieve transactions.
- Financial information you enter is used to provide Fineka's features and is not sold to other parties.
- We do not use your personal financial records for behavioural advertising targeting.
- Certain technical information may be processed by infrastructure, security, payment, analytics, and marketing measurement providers.
- You may exercise privacy rights available to you under applicable law.
Who controls your data
Fineka is a personal finance management service operated by PT Fineka Teknologi Nusantara, a technology company based in Bandung, West Java, Indonesia.
For personal data processed through Fineka, PT Fineka Teknologi Nusantara may act as the Data Controller, meaning the party that determines the purposes and exercises control over the processing of personal data in accordance with applicable law.
In this Privacy Policy, references to “Fineka”, “we”, “us”, or “our” refer to PT Fineka Teknologi Nusantara as the operator of Fineka, unless the context indicates otherwise.
Information we may collect
The information we process depends on how you use Fineka.
A. Account and profile information
When you create or use a Fineka account, we may process:
- your name or profile name;
- email address;
- authentication and account information;
- language preferences;
- subscription plan or access status; and
- other information you provide when creating or managing your account.
B. Financial information you enter
Fineka allows you to manually record and manage financial information.
This may include:
- wallets, bank accounts, cash accounts, or e-wallets that you choose to record;
- balances;
- income and expenses;
- transactions and transfers;
- transaction categories and notes;
- budgets;
- savings goals;
- credit cards and Buy Now, Pay Later accounts;
- bills and instalments;
- debts and receivables;
- assets;
- investments; and
- other financial information you choose to record in Fineka.
This information is used to provide features such as balances, Net Position, budgets, goals, reports, financial health indicators, and related functionality.
Fineka does not require your bank or e-wallet username, password, PIN, OTP, or other login credentials to automatically retrieve transactions.
C. Payment and access information
When you purchase or renew access to Fineka, we may process:
- the plan you select;
- transaction amount;
- transaction time;
- payment status;
- transaction or payment reference; and
- administrative information required to manage your access.
Fineka may use Midtrans as its payment processing infrastructure provider. In connection with a payment, Midtrans and the relevant bank, card issuer, e-wallet provider, virtual account provider, or other payment method selected by you may process certain information in accordance with their respective functions, privacy practices, and terms.
Fineka receives and processes only information reasonably required to record a transaction, activate or manage access, handle payment-related matters, provide transaction support, or comply with applicable terms obligations.
Fineka will not ask you to provide banking PINs, OTPs, banking passwords, or payment-service authentication credentials through email, support forms, or Fineka customer support communications.
D. Communications with Fineka
If you contact us, we may retain your contact information, the content of your message, information about an issue you report, and correspondence required to provide support.
E. Technical and usage information
When you use the Fineka website or application, our systems and service providers may automatically receive certain information, including:
- IP address;
- country or approximate location derived from an IP address;
- browser type;
- device type;
- operating system;
- pages or features accessed;
- date and time of access;
- referring page or traffic source;
- session information; and
- technical or security logs.
Fineka may use country information provided through Cloudflare infrastructure, including for determining the language experience on the website.
Analytics and measurement technologies
Fineka may use analytics and measurement services to understand how the website is used, identify problems, improve the user experience, and measure campaign effectiveness.
Google Analytics
Google Analytics may be used to measure visitor counts, sessions, pages visited, device and browser information, approximate location, and other website usage statistics.
Microsoft Clarity
Microsoft Clarity may help us understand website interaction, including clicks, scrolling, navigation, page performance, heatmaps, and session replays.
Meta Pixel
Meta Pixel may be used to measure campaign effectiveness and understand whether visitors perform certain actions after viewing or interacting with Fineka promotions.
We do not intend to send personal financial records entered into Fineka to advertising platforms for behavioural advertising targeting.
How we use information
We may use personal data to:
- create and manage your Fineka account;
- provide personal finance recording and management functionality;
- calculate balances, Net Position, budgets, goals, reports, and insights;
- synchronise account data across devices;
- process purchases and manage access;
- provide customer support;
- send important operational communications;
- maintain security and prevent misuse;
- diagnose technical problems;
- improve Fineka and the user experience;
- understand website usage;
- measure communication and campaign effectiveness;
- perform contractual obligations;
- comply with terms requirements; and
- protect the rights and safety of Fineka and its users.
We do not sell your personal financial data to data brokers or other parties.
terms bases for processing
Depending on the circumstances and applicable law, we may process personal data based on:
Your consent
Where a particular form of processing requires your consent.
Performance of a contract
Where processing is necessary to provide the Fineka service you choose to use.
Compliance with terms obligations
Where information must be retained, disclosed, or otherwise processed to comply with law.
Legitimate interests
Where permitted by applicable law, including maintaining security, preventing misuse, analysing system performance, and improving Fineka while taking your rights and interests into account.
When other parties may process information
We do not sell your personal data.
Certain information may, however, be processed by service providers that help PT Fineka Teknologi Nusantara operate Fineka, including:
- hosting, networking, CDN, and security providers;
- technology infrastructure and storage providers;
- Midtrans and related banks, card issuers, e-wallet providers, virtual account providers, and other payment providers;
- email and communication providers;
- customer support providers;
- analytics providers;
- marketing measurement providers; and
- professional advisers where required.
Examples may include Midtrans for payment processing, Cloudflare for network and security infrastructure, and Google Analytics, Microsoft Clarity, and Meta for the analytics or measurement purposes described in this Policy.
These providers receive or process information relevant to the services they perform and may also be subject to their respective privacy practices and terms obligations.
We may also disclose information where required by applicable law, a court order, valid terms process, or a request from an authority with lawful jurisdiction.
International data transfers
Some technology providers used by Fineka may operate systems or process information outside Indonesia.
Where personal data is transferred internationally, Fineka will seek to ensure the transfer is carried out in accordance with applicable terms requirements and safeguards appropriate to the nature and risk of the processing.
Data security
We recognise that financial information requires a high level of care.
Fineka uses reasonable technical and organisational measures intended to protect the confidentiality, integrity, and availability of personal data.
These measures include the use of HTTPS/TLS encrypted connections, access restrictions based on operational requirements, and security measures applied to the systems and infrastructure used to operate the service.
However, no electronic system can be guaranteed to be completely secure. You also play an important role in account security by protecting your credentials and keeping your devices secure.
Data retention and deletion
We retain personal data for as long as reasonably required to provide Fineka and fulfil the purposes described in this Policy.
When information is no longer required, we will delete, destroy, or anonymise it in accordance with our technical processes and applicable terms obligations.
If you request deletion of your Fineka account, we will process deletion of information associated with the account, except where certain information still needs to be retained for:
- terms or accounting requirements;
- payment reconciliation;
- security or abuse prevention;
- dispute resolution; or
- another lawful purpose.
Certain copies may remain temporarily in backup systems until the relevant backup cycle expires, after which they are deleted or overwritten in accordance with applicable procedures.
Your privacy rights
Depending on applicable law, you may have the right to:
- receive information about how your personal data is processed;
- access and obtain a copy of your personal data;
- complete, update, or correct inaccurate information;
- request restriction or termination of certain processing;
- request deletion or destruction of personal data;
- withdraw consent where processing is based on consent;
- object to certain processing or automated decision-making;
- obtain or transfer your information in a usable format where applicable; and
- exercise other rights available under applicable data protection laws.
Some rights may be subject to exceptions or limitations under applicable law.
To exercise these rights, contact bantuan@fineka.id .
We may request information reasonably necessary to verify your identity and protect your information from unauthorised requests.
Automated calculations and Fineka insights
Fineka may automatically calculate or generate:
- Net Position;
- budget indicators;
- goal progress;
- financial reports;
- financial health scores; and
- insights based on information you enter.
These features are intended to help you understand information you have already provided.
Fineka does not use these calculations to determine your eligibility for credit, lending, insurance, or another decision that produces comparable terms effects.
Fineka is also not a substitute for professional financial, investment, tax, terms, or other professional advice.
Children's privacy
Fineka is currently not intended for children under the age of 18.
We do not intend to knowingly collect children's personal information without an appropriate lawful basis and process.
If we become aware that a child's personal information has been provided to Fineka inappropriately, we may take appropriate steps to restrict or delete that information.
Personal data breaches
If a security incident meets the applicable definition of a personal data protection breach, Fineka will assess and respond to the incident and provide notifications as required by applicable law.
A notification may include information about affected data, when and how the incident occurred to the extent known, potential risks, and the measures taken to contain and recover from the incident.
Changes to this Privacy Policy
We may update this Privacy Policy to reflect changes to Fineka, our technologies, processing practices, service providers, business model, or applicable laws.
The latest revision date will always appear at the top of this page.
Where a change is material, we may provide additional notice through the website, application, email, or another appropriate method.
Contact us
If you have questions, concerns, or requests relating to privacy or personal data at Fineka, contact:
We will make reasonable efforts to handle your request in accordance with applicable data protection requirements.