Last updated: March 24, 2026
Florin Gold ("Florin," "we," "us," or "our") operates the Florin personal finance application. We built Florin with a privacy-first philosophy: your financial data belongs to you, not to advertisers or data brokers.
We will never sell your personal or financial data. We do not share your information with third parties for marketing purposes. We do not display ads or allow advertisers to target you based on your financial data.
This Privacy Policy explains what data we collect, why we collect it, how we protect it, and your rights regarding your information. We encourage you to read it in full.
When you create a Florin account, we collect your name, email address, and a password. Your password is hashed using industry-standard algorithms and is never stored in plain text. If you enable biometric authentication (WebAuthn/passkeys), the biometric data itself never leaves your device — we only store a public key credential.
When you connect your bank accounts through Plaid, we receive and store:
Sensitive financial fields — including balances, transaction amounts, and descriptions — are encrypted at rest using AES-256-GCM before they are written to our database. Additionally, we use pseudonymous financial identifiers to separate your account identity from your financial records, so a database breach alone cannot link financial data back to your real identity.
We collect information about how you interact with Florin, such as the features you use (goals, quests, wealth tracking) and general app usage patterns. This helps us improve the product. We do not use third-party analytics trackers or advertising pixels.
We use Plaid Technologies, Inc. ("Plaid") to securely connect to your financial institutions. Plaid is a widely used financial data intermediary trusted by thousands of financial apps.
By connecting your accounts through Plaid, you grant us and Plaid the right to access and transmit your financial information from your financial institution. We never see or store your bank login credentials — they are transmitted directly between Plaid and your financial institution.
You can disconnect any financial account at any time from your Florin settings. When you disconnect, we immediately revoke the Plaid access token and stop syncing new data. For more information, see Plaid's End User Privacy Policy.
Florin offers optional AI-powered features (such as financial advice, spending insights, transaction categorization, and personalized savings quests) that use OpenAI's API to process certain data. These features are entirely opt-in — each one requires your explicit consent before activation, and you can review exactly what data is shared before opting in.
When you enable an AI feature, we send only the minimum data necessary to OpenAI. Depending on the feature, this may include category-level spending aggregates, merchant names, or anonymized financial signals. We never send your full account numbers, raw bank credentials, or complete transaction histories to OpenAI.
Per our agreement with OpenAI, data sent to their API is not used to train their models and is not retained beyond what is needed to process your request.
Our use of OpenAI is a temporary measure while we develop our own in-house AI models. We are actively building proprietary models that will allow us to power these features entirely within Florin's infrastructure, eliminating the need to send any data to a third-party AI provider. We will update this policy as that transition takes place.
You can enable or disable individual AI features at any time in your Settings under "AI Features." Disabling a feature immediately stops data from being sent to OpenAI for that feature.
We use your information solely to:
We do not use your data for advertising, user profiling for third parties, or any purpose unrelated to providing you with the Florin service.
We do not sell your personal or financial information. We do not share your data with other companies for joint marketing purposes or allow third parties to market to you.
We share your information only in the following limited circumstances:
Security is central to how we built Florin. We implement multiple layers of protection:
We retain your data only as long as necessary to provide the service and comply with legal obligations:
When you disconnect a bank account, we immediately revoke the connection through Plaid and stop syncing new data. Historical transaction data may be retained for your records unless you request full deletion.
When you delete your account, all personal data is permanently removed from our systems within 30 days. Plaid connections are revoked immediately.
You have the right to:
If you are a resident of California, Virginia, Colorado, Connecticut, or another state with consumer privacy legislation, you may have additional rights under applicable law, including the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of personal information.
Because we do not sell personal information and do not use it for targeted advertising, there is nothing to opt out of in this regard.
To exercise any privacy right, please contact us using the information below. We will respond to verified requests within the timeframe required by applicable law.
Florin is not intended for users under the age of 18. We do not knowingly collect information from children. If you believe a minor has provided us with personal information, please contact us immediately and we will delete it.
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date. If we make significant changes to how we use your data, we will notify you through the app before the changes take effect. Your continued use of Florin after changes constitutes your acceptance of the updated policy.
If you have questions about this Privacy Policy or our data practices, please reach out:
Email: privacy@floringold.com
You can also manage your privacy settings directly in your Account Settings.