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We are live and completely free in November 2025

Privacy Policy

1. Introduction

Welcome to Senki.io ("we," "our," or "us"). We are committed to protecting your privacy and handling your personal data transparently. This Privacy Policy explains how we collect, use, store, and protect your information when you use our financial insights platform.

Data Controller:
Elster Intelligence GmbH
Friedrichstr. 114a
10117 Berlin, Germany

2. Information We Collect

2.1 Financial Data

When you use Senki.io, you may provide:

  • Bank statements (uploaded files)

  • Transaction data

  • Account balances and financial summaries

  • Business financial information (for business accounts)
     

2.2 Account Information

  • Name and email address

  • Password (encrypted)

  • Account preferences and settings
     

2.3 Technical Data

  • IP address

  • Browser type and version

  • Device information

  • Usage data and analytics

  • Cookie data (managed through our Usercentrics cookie banner)
     

3. How We Use Your Information

We process your personal data for the following purposes:

3.1 Service Delivery

  • Analyzing your bank statements to generate financial insights

  • Providing personalized recommendations

  • Generating reports and visualizations

  • Maintaining and improving our platform


3.2 Legal Basis (GDPR)

  • Contract Performance: Processing necessary to provide our services

  • Legitimate Interest: Improving our services and user experience

  • Consent: Where you have provided explicit consent (e.g., marketing communications)

  • Legal Obligation: Compliance with applicable laws


4. Data Storage and Security

4.1 Security Measures
We implement industry-standard security measures to protect your data:

  • End-to-end encryption for data transmission

  • Encrypted storage of financial data

  • Regular security audits

  • Access controls and authentication

  • Secure server infrastructure


4.2 Data Retention

  • Financial data: Retained for as long as you maintain an active account, plus any legally required retention period

  • Account data: Deleted within 30 days of account closure request

  • Analytics data: Anonymized after 24 months


4.3 Data Location
Your data is stored on secure servers located within the European Union to ensure GDPR compliance.

5. Data Sharing and Disclosure

We do not sell your personal data. We may share your information only in the following circumstances:

5.1 Service Providers
We work with trusted third-party service providers who assist us in operating our platform:

  • Cloud hosting providers

  • Analytics services

  • Customer support tools

All service providers are contractually obligated to protect your data and use it only for specified purposes.

5.2 Legal Requirements
We may disclose your information if required by law, court order, or governmental regulation, or if necessary to:

  • Protect our legal rights

  • Prevent fraud or security threats

  • Comply with legal processes


6. Your Rights (GDPR)

Under the General Data Protection Regulation (GDPR), you have the following rights:

  • Right of Access: Request a copy of your personal data

  • Right to Rectification: Correct inaccurate or incomplete data

  • Right to Erasure: Request deletion of your data ("right to be forgotten")

  • Right to Restriction: Limit how we process your data

  • Right to Data Portability: Receive your data in a machine-readable format

  • Right to Object: Object to processing based on legitimate interests

  • Right to Withdraw Consent: Withdraw consent at any time (where processing is based on consent)


To exercise any of these rights, please contact us at support@senki.io.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience. Our cookie management is handled through Usercentrics, which allows you to:

  • View detailed information about cookies we use

  • Manage your cookie preferences

  • Opt-out of non-essential cookies


You can manage your cookie preferences at any time through our cookie banner or browser settings.

Cookie Categories:

  • Strictly Necessary: Required for basic site functionality

  • Functional: Enhance user experience and remember preferences

  • Analytics: Help us understand how users interact with our platform

  • Marketing: Used for targeted advertising (with your consent)


8. International Data Transfers

If we transfer data outside the European Economic Area (EEA), we ensure adequate protection through:

  • Standard Contractual Clauses approved by the European Commission

  • Adequacy decisions

  • Other legally compliant transfer mechanisms


9. Children's Privacy

Senki.io is not intended for users under 18 years of age. We do not knowingly collect personal data from children. If you believe we have collected information from a child, please contact us immediately.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes by:

  • Posting the updated policy on our website

  • Sending an email notification (for significant changes)

  • Updating the "Last Updated" date


11. Contact Us

If you have questions, concerns, or wish to exercise your rights, please contact us:

Email: support@senki.io
Address:
Elster Intelligence GmbH
Friedrichstr. 114a
10117 Berlin, Germany

By using Senki.io, you acknowledge that you have read, understood, and agree to be bound by Terms of Service.

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