Privacy Policy

Effective Date: January, 2026

Welcome to Comma (“we,” “our,” or “us”). Your privacy is important to us, and we are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and safeguard your information when you visit our website, https://comma.finance (“Website”) and use the Comma application.

Information We Collect

We collect two types of information from you:

  • Personal Information:

    • Name
    • Email address
    • Billing information (e.g., payment details)
    • Any information you provide voluntarily through forms or account creation

  • Non-Personal Information:

    • IP address
    • Browser type
    • Operating system
    • Pages visited and time spent on our site
    • Referring website

Your Financial Data

Your financial data (transactions, categories, budgets, goals) is encrypted client-side using AES-256-GCM before it leaves your device. We store your encrypted data but cannot read it. We do not use open banking. We do not connect to your bank. We do not have access to your bank credentials.

How We Use Your Information

We use the information we collect for the following purposes:

  • To provide and improve our services
  • To process transactions and send receipts
  • To send you updates and service-related communications
  • To comply with legal obligations
  • To detect and prevent fraudulent activity

Cookies and Tracking Technologies

We use privacy-friendly analytics (Umami) that does not use cookies and does not collect personally identifiable information. No cookie banner is required.

Sharing of Information

We do not sell, rent, or trade your personal information. However, we may share your information with:

  • Service Providers: Third-party companies that help us operate our Website and provide services.
  • Legal Authorities: When required by law or to protect our rights and property.
  • Business Transfers: In case of a merger, acquisition, or sale of assets.

Data Security

We implement industry-standard security measures to protect your data, including AES-256-GCM client-side encryption for all financial data. While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet is 100% secure.

Your Rights

Depending on your location, you may have the following rights regarding your personal information:

  • Access your data
  • Correct or update your data
  • Request deletion of your data
  • Restrict processing of your data
  • Withdraw consent for data usage
  • Export all your data at any time

To exercise your rights, please contact us at privacy@comma.finance.

Our Website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing any personal information.

Children’s Privacy

Our Website is not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Effective Date.” We encourage you to review this Privacy Policy periodically.

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

Comma App Pty Ltd Email: privacy@comma.finance ABN: 21 696 227 746

Thank you for trusting Comma with your personal information.

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