Privacy Policy
Last updated: February 17, 2026
Coino ("we," "our," or "us") operates the Coino budgeting application at https://app.coino.ai and the website at https://coino.ai. This Privacy Policy explains how we collect, use, and protect your information.
Information We Collect
Account Information
When you sign up for Coino, we collect:
- Email address and name via Google Sign-In (using OpenID Connect with email and profile scopes)
- No Google password is ever shared with us
We use Google authentication solely to create and manage your Coino account. We do not request access to your Google Drive, Gmail, contacts, or any other Google services.
Financial Data
When you use Coino, you may provide or connect:
- Budget categories, amounts, and goals
- Transaction data imported via bank sync (through SimpleFIN)
- Manual transactions and notes you enter
Your financial data belongs to you. We access it only to provide the Coino service.
Conversational Data
Coino uses an AI-powered chat interface to help you manage your budget. When you interact with the chat:
- Your messages and budget context are processed by AI models to generate responses and budget changes
- Conversation history is stored to provide continuity across sessions
Technical Data
We automatically collect standard technical information including IP addresses, browser type, and usage patterns to operate and improve the service.
How We Use Your Information
We use your information to:
- Provide, maintain, and improve the Coino budgeting service
- Process your natural-language requests into budget actions
- Sync your bank transactions when you connect a bank via SimpleFIN
- Send service-related communications (e.g., account verification, security alerts)
- Monitor for security issues and abuse
We do not:
- Sell your personal or financial data to third parties
- Use your financial data to serve you advertisements
- Share your data with data brokers
Third-Party Services
Coino relies on the following third-party services to operate:
| Service | Purpose | Data Shared |
|---|---|---|
| Google Cloud Platform | Hosting and infrastructure | All application data (encrypted at rest and in transit) |
| Auth0 | Authentication | Email, name, login events |
| Google Vertex AI (Gemini) | AI-powered chat and budget assistance | Conversation messages and relevant budget context |
| SimpleFIN | Bank transaction sync | Bank credentials are managed directly by SimpleFIN; we receive transaction data only |
| Lemon Squeezy | Subscription billing | Email, payment information (processed by Lemon Squeezy as Merchant of Record) |
| Zep | Conversational memory for AI assistant | Conversation history and budget context to maintain continuity across sessions |
| PostHog | Product analytics | Usage patterns, feature interactions, session data (anonymized where possible) |
Each third-party service is governed by its own privacy policy. We select providers with strong security and privacy practices.
AI Data Processing
When you use Coino's chat features, relevant portions of your budget data and conversation are sent to Google's Vertex AI (Gemini) for processing. Google's Vertex AI data governance policies apply to this processing. We do not use your data to train AI models.
Data Security
We implement industry-standard security measures including:
- Encryption in transit (TLS) and at rest
- Multi-tenant data isolation ensuring your data is never accessible to other users
- Authentication and authorization controls on all data access
- Infrastructure managed via code with automated security configurations
Data Retention and Deletion
We retain your data for as long as your account is active. You may request deletion of your account and all associated data at any time by contacting us. Upon account deletion, we will remove your data from our active systems within 30 days. Backups containing your data may persist for up to 90 days before being purged.
Children's Privacy
Coino is not intended for use by anyone under the age of 16. We do not knowingly collect information from children under 16.
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes via email or an in-app notice. Continued use of Coino after changes constitutes acceptance of the updated policy.
Your Rights
Depending on your jurisdiction, you may have rights to access, correct, delete, or export your personal data. To exercise these rights, contact us at the address below.
Contact Us
If you have questions about this Privacy Policy, please contact us at:
Email: support@coino.ai