Privacy Policy

The operator of ElixirFinance (“ElixirFinance”, “we”, “us”) provides a personal-finance app — a web app for users in Kazakhstan. This policy explains what data we collect, why, and what control remains with you. ElixirFinance is not a bank and has no access to your bank accounts without your explicit consent.

• Account data — the email address and name you provide at sign-up. Needed to create and protect your account.
• Financial data — accounts, transactions, categories and budgets that you create or that are derived from your data.
• Uploaded statements — Kaspi PDF statements that you upload so transactions can be sorted into categories.
• Bank data via Plaid — if you connect a bank account through the Plaid aggregation service, we receive transactions and balances with your consent (see section 3).

Bank account connection is performed through the Plaid aggregation service. You enter your online-banking credentials on the Plaid and your bank's side — we never see or store them. We only receive transaction and balance data to display in the app. You can disconnect a bank at any time in settings and delete the imported transactions.

Your data is stored on our servers (Hetzner infrastructure). Data transfer between your device and the service is protected by HTTPS (TLS) encryption. Only the service itself has access to the data, to the extent needed for it to operate.

We don't sell your data. We share it only with the services the app cannot work without, and only to the extent required:

• Plaid — bank account aggregation: retrieving transactions and balances if you connected a bank.
• AI providers (Claude by Anthropic, OpenAI) — for the AI assistant to work, your transaction data may be sent to an AI provider for processing so it can answer questions about your finances.
• The National Bank of the Republic of Kazakhstan — we obtain official exchange rates. No personal data is transmitted in the process.

We may disclose data if required by law.

• We don't sell or rent out your personal or financial data.
• We don't show ads or embed ad networks.
• We don't use third-party trackers or advertising SDKs to track you.
• We don't request access to your bank without your explicit consent.

• To provide core features — accounts, categories, budgets, spending analytics.
• So the AI assistant can answer questions about your own finances.
• To sort uploaded Kaspi statements into categories.
• To maintain account security and prevent abuse.

• Access and correction — you can view and edit your data directly in the app.
• Account deletion — you can delete your account together with all data in one tap in settings.
• Bank disconnection — you can disconnect a connected bank at any time and delete the imported transactions.
• For any other request related to your data, write to us — we'll respond within a reasonable time.

We keep your data while your account is active. After you delete your account, we remove your personal and financial data from our servers, keeping only what we're legally required to retain, and no longer than necessary.

We may update this policy as the service evolves and will update the date at the top of the page. For any privacy questions, write to us at saparlife@gmail.com.