Never sold or sharedNo ad networks, no affiliate marketing off your money.
Security & privacy
Your data isn’t the product.
Most money apps make money two ways: what you pay, and what they learn about you. FortuniFi only does the first. Your financial data is encrypted, the master key is kept off our servers, your bank connection is read-only, and none of it is ever sold. Here’s exactly what that means — and, because it matters, what we haven’t finished yet.
We never sell, share, or monetize your financial data.
No ad networks. No “de-identified” data sales. No affiliate marketing off your transactions. The only thing we do with your money data is help you with it. That’s a promise a lot of popular apps can’t make.
| What happens to your data | FortuniFi | The typical money app |
|---|---|---|
| Selling & ad-targeting your data | ✓ |
– Often monetized“De-identified” data sales and affiliate offers are common. |
| Your card number | ✓ Never touches usPayments run through Stripe — we never see or store it. |
– Handled by a processorStandard practice; disclosure quality varies. |
| Encryption | ✓ Specific & publishedAES-256, a key per record, master key kept off our servers. |
– Usually vagueOften just “bank-grade,” with the specifics undisclosed. |
| Bank connection | ✓ Read-onlyWe can read your accounts — we can’t move your money. |
✓ Read-onlyThe same standard, through the same aggregators. |
| Two-factor authentication | ✓ Required to link a bankAuthenticator-app two-factor, built in. |
– Usually optionalCommonly available, but off by default. |
| Deleting everything | ✓ Instant & self-serviceYou delete it — and we cut the bank link at its source. |
– Often by requestTimelines and source-revocation vary. |
| Honesty about gaps | ✓ We publish oursA written posture that lists what we haven’t done yet. |
– Strengths onlyMost security pages market rather than disclose. |
“The typical money app” describes patterns that are common across popular budgeting and personal-finance apps, based on their publicly available privacy and security disclosures as of July 2026. Individual apps differ — please check each company’s own privacy policy and security page for the latest. FortuniFi is independent and not affiliated with, or endorsing, any third party. No system is perfectly secure; these are the specific, honest measures we take, not a guarantee.
Encrypted, key kept apart
Every sensitive field is encrypted with its own key, and the master key that protects them lives in a dedicated key service — so a stolen database is useless on its own.
Revocable by you
Sign out every device, unlink your bank, or delete your account whenever you want. When you disconnect a bank, we tell the provider to cut it off too.
Automatically tested
Every code change is scanned for security flaws and leaked secrets before it ships, and again every week for newly discovered issues.
What we haven’t finished yet
We’re early, and we’d rather tell you than let a badge imply otherwise. Until each of these is done, we’ll keep saying so plainly:
- An independent third-party security audit and penetration test — planned before we open to everyone at scale.
- A formal SOC 2 examination — on the roadmap as we grow; our controls are built and documented toward it.
- Until those are complete, real bank connections stay carefully gated.
Money help that keeps your data yours.
See your first honest month free — encrypted, read-only, and never for sale.