Privacy policy
Draft for review. This is a plain-language beta draft, not final legal text. Have it reviewed by a qualified attorney before a public launch. Last updated November 10, 2026.
Nisse Financial ("Nisse", "we") is a small personal-finance app in private beta. This page explains clearly what we collect, why, and the choices you have.
What we collect
- Account details: your email, first name, and a password (stored only as a secure hash by our sign-in provider, Supabase).
- Money details you type in: income, bills, debts, goals, credit scores you choose to enter, solar details and notes.
- Bank data, only if you connect a bank: account names, the last few digits of account numbers, balances, transactions, loan and card details, and investment holdings, read through Plaid. We never receive or store your bank username or password.
- Ask Nisse: your questions and Nisse's answers, so the conversation can continue.
- Messages to the team: feedback and private messages you send from Message team, and the team's replies. Only you and the Nisse team can read them.
- "Want to know more?" list: if you leave your name and email on the home page, we keep them only to write to you about Nisse. It doesn't create an account. Ask us to remove you any time.
- Basic logs: event records like "signed in" or "bank connected", without amounts, names or message text. To slow down spam, the home-page form keeps a scrambled (hashed) version of your IP address for up to two days.
Why we use it
- To show your dashboard and calculations (bills, payoff plans, credit tips, solar savings).
- To answer your Ask Nisse questions. Only a summary of your own data is sent with your question to our AI provider (xAI) to write the answer.
- To keep the service secure and fix problems.
We never sell your data.
We do not sell your data, show you ads, or share it with data brokers.
Who else handles it (our service providers)
- Supabase stores your account and data (database with per-person access rules).
- Netlify hosts the website and runs our server code.
- Plaid connects your bank, if you choose to. See our bank-link disclosures and Plaid's End User Privacy Policy.
- xAI provides the AI model behind Ask Nisse. It receives your question plus a summary of your own numbers.
Partners and households
If you invite a partner, they see only what you allow (view or edit), and you can change or remove that at any time in Settings › Household. Your bank sign-ins and credit scores stay yours.
How we protect it
- Encrypted connections (HTTPS) everywhere.
- Database rules so each person can read only their own rows (and a partner's, only with permission).
- Bank access tokens are encrypted and can only be read by our server, never by the browser.
Your choices
- Export: Settings › Privacy & data › Export.
- Disconnect a bank: Settings › Linked accounts. This also ends the connection at Plaid.
- Delete everything: Settings › Privacy & data › Delete my account. This disconnects your banks and permanently deletes your account and data. Backups held by our providers roll off on their normal schedule.
Kids
Nisse is for adults 18 and older.
Questions
Contact the Nisse team through the in-app message button, or by email at the address listed on this page before launch.