Privacy Policy

Effective 7 November 2026 (replaces the version of 10 October 2026) · Applies to the Fortn app (Android app com.fortnfinance.app, and the web app at app.fortnfinance.com) and this website.

Who we are

Fortn ("Fortn Finance", "we", "us") is a budgeting app made in Australia. For anything in this policy, contact us at hello@fortnfinance.com.

What we collect

If you create an account:

• Email address and password. Used only to sign you in and sync your data between devices. Your password is stored as a salted hash by our authentication provider — we never see or store it in plain text.
• The budget data you enter or import. Incomes, budget boxes and groups, debts, the events you save toward, your pay run history, the balances you confirm, and the bank transactions you choose to import (their date, amount and the description your bank gives them).

If you ask for a coaching chat: the email address you type on that screen, plus anything you write in the optional line, so we can reply to you. That address is not added to any mailing list and is never sold or shared; ask us and we delete it.

If you use offline mode (no account): all of the above stays in your device's local storage only. Nothing is sent to our servers, and we hold nothing about you.

What we never collect: bank or financial-institution credentials, a live connection to your bank, your contacts, your location, or advertising identifiers. The app contains no third-party analytics or tracking code.

Working with a money coach

Sharing with a coach is optional and starts only when you type your coach's code in Settings. While it lasts, your coach can read your plan, balances, pay runs, debts and IOUs, and what each box spent per day, read only, for the time you chose. Your spending reaches them already added up by box and by day: they never receive a single purchase, the name of a shop, anything you wrote against a spend, your bank statement or your bank's own description of a transaction; you see when they opened it and you can stop at any time. Your email is never shown to them.

If your coach follows you in a programme, they can send you a short written review of each pay run and suggest new amounts for some of your boxes. The review is stored with your account so you can read it again; nothing in your plan changes unless you tap to use it. If your coach's review is checked by our AI before it reaches you (see AI features), only the words are sent: every amount is removed first. The numbers that describe your first 90 days or your progress are worked out on your device and saved in your own budget data.

Sharing a house

"Our house" is optional. If you start or join a house, the boxes you mark as house pots are shared with the one other person in it: each pot's name, your part of it per pay, your share, what it holds and the day your pay run last paid into it. Nothing else in your plan is shared: not your other boxes, your income, your debts or your email. Leave the house and your summary is deleted.

Importing a bank file

Bank import is optional. The file you pick (a statement, a CSV, OFX, QIF or PDF file, or text you paste) is read by the app on your device; the file itself is not uploaded or kept. What you choose to use from it, the transactions of your current pay cycle and the balances, is saved to your budget like anything you type, and is deleted with it. When you read a statement in Boxes (a Pro feature), its spending lines are saved the same way: the date, the amount, the shop's name and the box you chose, kept for up to 13 months so Fortn can show what each box costs a payday. Money moved between your own accounts and pay coming in are not kept. Which bank account matches which box, and which box each shop goes to, is remembered only on that device.

AI features

Fortn uses Jev, a model from TypeSafe, for small judgments that help you, such as suggesting which box a shop on your statement belongs to. How it works:

• Only what the judgment needs. For a box suggestion, that is the shop's name as your bank wrote it, with card numbers removed. We never send your email, your name, your bank login, account numbers, balances or amounts.
• Through our server, signed in. Requests go from our server to TypeSafe, never from your phone straight to them, and only for signed-in accounts. Offline mode never uses AI.
• No training on your data. TypeSafe processes these requests on our behalf, under its data processing agreement. It commits not to train or fine-tune AI models on what we send and not to disclose it to anyone other than its own service providers. It may process the request outside Australia.
• A coach's review. When a money coach writes you a review in Fortn, its words (with every amount removed) may be checked by Jev before it is sent, so it stays inside budgeting and habits. Nothing is kept from that check.
• Shared answers carry no person. We may keep a list of shop → category answers, with nothing that identifies you, so the same shop is never asked about twice.
• You decide. The AI suggests; you confirm or change it. Nothing in Fortn moves money because an AI said so.

Where your data lives

Account data is stored with Supabase, our database and authentication provider, and the app and website are served by Vercel, our hosting provider. Resend delivers our reply if you ask for a coaching chat, and TypeSafe runs the AI features above. These providers process data only as needed to run the service, and some of them may store or process it outside Australia. All traffic between your device and our servers is encrypted in transit (HTTPS/TLS), and your data is only readable by your own signed-in account. As with virtually every website, our hosting provider may keep standard, short-lived server logs (such as IP address and browser type) for security and operations.

How we use your data

To run Fortn: signing you in, saving your budget, syncing it between your devices, and the AI suggestions described above. When you tap a PRO feature that isn't open yet, we record which one, with your account email, so we know what to build first. We don't use your data for advertising, and we don't sell or rent it to anyone. We would only ever disclose data if the law genuinely required us to.

Deleting your data

• With an account: open the app → Settings → Delete account. This permanently erases your login and every piece of your data from our servers and from that device. It cannot be undone, and it doesn't require emailing anyone.
• In offline mode: your data is only on your device — uninstalling the app or clearing its browser data removes it completely.
• You can also email us at hello@fortnfinance.com and we'll delete your account for you.

We keep account data only while your account exists. There are no backups of deleted accounts kept for marketing or any other secondary purpose.

Your rights

We handle personal information in line with the Australian Privacy Principles. You can ask us at any time to access, correct, export, or delete the personal information we hold about you — email hello@fortnfinance.com and we'll respond as soon as we can. If you're in a region with additional privacy rights (such as the GDPR), those rights are honoured through the same contact.

Children

Fortn is intended for adults (18+) and is not directed at children. We do not knowingly collect personal information from anyone under 18.

Changes to this policy

If we change this policy, we'll update it at this address and adjust the effective date above. Material changes (for example, a feature that handles new kinds of data) will be flagged in the app, where the feature is.

Contact

Questions, requests, or complaints: hello@fortnfinance.com.