Privacy Policy

Last updated: October 9, 2026

This policy explains what data Qoin collects when you visit this website and use the Qoin app, why we collect it, who we share it with and what you can do about it. "Qoin", "we" and "us" mean the team that runs this website and the app. Questions and requests: support@qoin.pro.

Data you give us

• Account data: your email address, username and password. We store only a hash of the password, never the password itself.
• Sign in with Google: if you sign in with Google, Google shares your name, email address and Google account ID with us. We use them only to sign you in and to fill in your username; we don't get access to anything else in your Google account.
• Finance data you enter or import: accounts, transactions, categories, family members you group accounts by, charts, import rename rules and your settings (currencies, date format and similar). When you import a bank statement, we keep the transactions you confirm in the import preview.
• Contact form: when you write to us through the contact form on this website, we keep your name, the email address or Telegram username you give us, your message and your IP address, so that we can reply and keep the form free of spam.
• AI requests: what you type or say in the AI chat and the data needed to answer it (for example your category and account names, or transaction descriptions during import cleanup).

Data collected automatically

• Server logs: IP address, browser, requested address and time, kept for a short time to keep the service secure and to fix errors.
• Browser storage in the app: sign-in tokens and interface preferences (for example the last chosen account or the AI chat history) are kept in your browser's local storage. They are needed for the app to work and are not used for tracking.
• Analytics cookies, only with your consent: see Cookies and analytics.

How we use your data

• To run the app: store your finance data, show insights and charts, and sync them across your devices (performance of our agreement with you).
• To send service emails: email confirmation and password reset links (performance of our agreement with you).
• To produce AI suggestions you ask for, and to troubleshoot them: we keep a log of AI requests and answers (performance of our agreement with you and our legitimate interest in a working service).
• To keep the service secure and back it up (our legitimate interest).
• To understand how the website and the app are used and improve them, with analytics, only if you accept (your consent).

We do not sell your data, do not show ads and do not use your finance data for advertising.

Cookies and analytics

If you press "Accept" on the cookie banner, we load Google Analytics (Google LLC) and Yandex Metrica (Yandex LLC) on this website and in the Qoin app. They set cookies and record pages viewed, clicks, device, browser and approximate location derived from your IP address. They never receive your transactions, balances or account details; Yandex Metrica's session recording (Webvisor) is turned off. If you press "Decline", none of this is loaded.

Your choice is stored for one year in a cookie named qoin_consent and applies to both the website and the app. You can change it at any time: open cookie settings, or use "Cookie settings" at the bottom of the home page.

Who we share data with

Only with the service providers we need to run Qoin, each receiving only what its job requires:

• Hosting provider that runs our servers and database.
• AI model provider: the content of AI requests, only when you use an AI feature.
• Email delivery provider: your email address and the content of service emails.
• Google and Yandex: analytics data, only with your consent.

Some of these providers process data outside your country. We may also disclose data if the law requires it.

How long we keep data

Account and finance data is kept while your account exists. When it is deleted, the data is removed from the live database; copies may remain in older backups until those are deleted. Server logs are kept for a short time. Analytics data is kept by Google and Yandex according to their settings.

Your rights

Depending on where you live, you may have the right to access, correct, export or delete your data, to object to or restrict its processing, and to withdraw consent at any time without affecting earlier processing. You can export your categories and the transactions of any account to JSON in the app's settings. For anything else, including deleting your account, write to support@qoin.pro. You can also complain to your local data protection authority.

Demo account

The demo account is shared: anyone who presses "Try demo" sees the same data. Do not enter real personal or financial information there.

Security

The website and the app work only over HTTPS, passwords are stored as hashes, and access to the servers is restricted. No system is completely secure, so please use a unique password for Qoin.

Children

Qoin is not intended for children under 16, and we do not knowingly collect their data.

Changes to this policy

If we change this policy, we will update the date at the top of this page. Significant changes will be announced on the website or in the app.