Privacy Policy for Alex's Open Banking Data Aggregator

Last updated: 2026-08-22

1. What this application does
   This application retrieves account information (balances and transactions)
   from your bank via the Enable Banking API, solely for the personal use of
   the account owner (Alexandre Loiko). It is not a commercial service and does
   not serve other users.

2. Data collected
   - Account metadata (IBAN, name, currency, type)
   - Account balances
   - Transaction data (date, amount, creditor/debtor, remittance information)
   All data is retrieved from your bank through PSD2 / Open Banking APIs after
   you explicitly authorise access. Data is stored locally on the account
   owner's private server.

3. Data storage
   Data is stored as Parquet files on a private, access-controlled server. No
   data is shared with third parties. No data is sold or monetised.

4. Data retention
   Transaction data is retained indefinitely for personal financial analysis.
   You may delete all stored data at any time.

5. Authentication
   Access to your bank data requires Strong Customer Authentication (BankID)
   performed directly with your bank. This application cannot initiate
   payments — it only reads account information (AIS).

6. Contact
   For questions about this application, contact: alexandreloiko@gmail.com

7. Enable Banking
   This application uses the Enable Banking API, operated by Enable Banking Oy
   (Finland), a registered Account Information Service Provider regulated by
   the Finnish Financial Supervisory Authority (FIN-FSA).