Privacy Policy

Last Updated: May 14, 2025

1. Introduction

Welcome to Henrie.ai, a personal finance platform developed by Tenafli Inc. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use the Henrie.ai application or website. Henrie.ai uses advanced AI personas to provide personalized financial insights and coaching, and may access your financial data via secure third-party integrations, including Plaid.

By using Henrie.ai, you agree to the practices described in this policy. We may update this policy periodically and will notify you by posting changes on this page.

2. Information Collection and Use

We collect personal and financial information to help deliver customized insights and recommendations through our AI-powered coaching platform. This includes:

  • Account information (name, email, profile data)
  • Financial data (via Plaid) such as transaction history, account balances, and institution details
  • Device information such as IP address, OS, or app version for security and diagnostic purposes
  • Voluntary inputs such as financial goals or notes submitted within the app

Henrie.ai does not sell your data. Information is collected only for the purpose of providing services, improving features, or fulfilling legal obligations. We use your data to:

  • Deliver personalized insights through your AI financial advisor
  • Power budgeting, spending analysis, and affordability checks
  • Conduct aggregate-level research to improve the product experience

3. Third-Party Integrations: Plaid and Stripe

To offer banking data aggregation and identity verification, Henrie.ai partners with:

  • Plaid, which securely connects your bank and financial accounts. When you link an account, Plaid may collect your account balances, transaction history, account types, and other details directly from your financial institution.
  • Stripe, which may be used in the future for optional paid features or services. If used, Stripe may collect identifying information to verify your identity and process payments.

You may review Stripe's privacy policy for further details. We do not store your login credentials for any linked financial accounts.

4. Data Protection

Henrie.ai uses industry-standard encryption and cloud infrastructure security protocols (via AWS) to protect your data. Despite our best efforts, no online transmission or storage method is 100% secure. Users are encouraged to use strong passwords and update them regularly.

5. Data Sharing

Henrie.ai does not rent, sell, or trade your data to third parties for marketing purposes. Your information may be shared with third parties only:

  • To operate and improve our service (e.g., with vendors like Plaid or AWS)
  • To comply with legal obligations (e.g., responding to a subpoena)
  • With your explicit consent

6. User Responsibilities

By using Henrie.ai, you agree to:

  • Provide accurate account information
  • Use the platform in compliance with applicable laws
  • Keep your login credentials confidential

Henrie.ai reserves the right to suspend or terminate accounts that violate our Terms of Service, Community Guidelines, or present risk to platform integrity.

7. Account Cancellation and Data Deletion

You may cancel your Henrie.ai account at any time. Account deletion requests can take up to 24 hours to process. We will delete all associated data except your name, email, and phone number, which may be retained for audit, support, or compliance purposes.

8. Warranties and Liability

Henrie.ai is provided "as is." We are not liable for indirect damages or losses arising from reliance on the app's insights or data accuracy. While our AI personas are designed to offer guidance, they do not replace licensed financial advisors. Users are responsible for their own financial decisions.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted here, and we encourage you to review the policy periodically.

10. Your Consent

By using Henrie.ai, you consent to the collection, use, and sharing of your information as described in this Privacy Policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at: 📧 info@henrie.ai