Question 1

What is Finanjo?

Accepted Answer

Finanjo is a personal finance management (PFM) app designed specifically for Indian users. It enables you to track expenses, monitor cash flow, and gain clear insights into your finances, all within a single app. We are a fintech startup headquartered in Jaipur, India, committed to making money management transparent, secure, and straightforward. Our mission is to empower individuals to take control of their financial lives, supported by tools built to the highest standards of privacy, security, and regulatory compliance.

Question 2

What do i need to get started on the app?

Accepted Answer

You only need your mobile number to get started. For financial data linking, authentication will take place exclusively through RBI-regulated Account Aggregators (AAs), ensuring complete security and compliance.

Question 3

How are you connecting to my bank account and accessing my financial data?

Accepted Answer

We have partnered with RBI-licensed Account Aggregators, such as Finvu and Anumati, to enable secure financial data sharing. Account Aggregators are regulated entities authorised by the Reserve Bank of India to allow users to share their financial information safely and only with their consent. This may include data from bank accounts, investments, and other financial products.

Question 4

What are Account Aggregators, and can I trust them with my data?

Accepted Answer

Account Aggregators (AAs) are licensed and regulated entities approved by the Reserve Bank of India (RBI) under its data-sharing framework. Their role is to enable you to securely share your financial data (such as bank accounts, and more) with apps like ours, but only with your explicit consent. Importantly, AAs cannot see, store, or sell your data. They act purely as a secure technology channel, using end-to-end encryption to transfer information safely. This framework has been designed by the Government of India and RBI to give individuals full control and transparency over their financial information, while ensuring the highest standards of privacy and security.

Question 5

What will my financial data be used for?

Accepted Answer

Your data will be used solely to deliver the services within the app, such as expense tracking, cash flow analysis, and personalised financial insights. We do not sell, store, or share your data with any third party, except as strictly required to provide the app’s services in line with RBI-AA regulations.

Question 6

Is my financial data safe?

Accepted Answer

Yes, your financial data is completely safe with us. Protecting it is our top priority. We use the same AES-256 encryption standard that banks and governments rely on, and every bit of information is transmitted securely over SSL/TLS connections so it cannot be intercepted. We only connect through RBI-licensed Account Aggregators, which means your data moves strictly with your consent. We will never sell your personal or financial information to anyone. Most importantly, you stay in full control — you choose which accounts to link, and you can revoke access at any time. Your trust is at the heart of what we do, and security is built into every part of the product.

Frequently Asked Questions

Frequently Asked Questions

Frequently Asked Questions