Nett ("we", "us", "our") is a personal finance and net worth tracking application available on the web, Google Play Store, and Apple App Store. We are committed to protecting your privacy and handling your personal data responsibly.
This Privacy Policy explains what data we collect, how we use it, how we protect it, and your rights under the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, the EU General Data Protection Regulation (EU GDPR), the California Consumer Privacy Act (CCPA), and applicable Google Play and Apple App Store policies.
By using Nett, you agree to the practices described in this policy. If you do not agree, please do not use the app.
The data controller responsible for your personal data is:
Nett
Email: privacy@nett.finance
If you have any questions about this Privacy Policy or how we handle your data, please contact us at the email address above.
When you create an account using Firebase Authentication, we collect:
We do not have access to your Google account password. Authentication is handled entirely by Google Firebase.
You may voluntarily enter the following types of data:
All financial data is entered by you voluntarily. We do not access your bank accounts, read your emails, or collect financial data automatically.
We want to be clear about what we do not do:
| Purpose | Lawful Basis (UK GDPR) |
|---|---|
| Providing the app and its features | Performance of contract (Art. 6(1)(b)) |
| Authenticating your account | Performance of contract (Art. 6(1)(b)) |
| Syncing your encrypted data across devices via Firebase | Consent (Art. 6(1)(a)) — you choose to enable cloud sync |
| Fetching live prices for your assets (stocks, crypto, trading cards) | Performance of contract (Art. 6(1)(b)) |
| Processing subscription payments (Pro features) | Performance of contract (Art. 6(1)(b)) |
All financial data synced to the cloud is encrypted using AES-256-GCM encryption with PBKDF2-derived keys before leaving your device. We cannot read your financial data on our servers. Even in the event of a data breach, your financial information would be unreadable.
By default, all your data is stored locally on your device using browser localStorage or the app's local database. This data never leaves your device unless you enable cloud sync.
If you sign in and enable cloud sync, your data is:
Nett uses the following third-party services to function. These services may receive limited data as described below:
| Service | Purpose | Data Shared |
|---|---|---|
| Google Firebase | Authentication and encrypted cloud storage | Email address; encrypted (unreadable) financial data |
| Parqet CDN | Stock logos and price data | Stock ticker symbols only |
| CoinGecko API | Cryptocurrency prices | Coin identifiers only |
| JustTCG API | Trading card prices and images | Card identifiers only |
| Google Favicons | Merchant logos for transaction display | Merchant domain names only |
| Google Play / Apple App Store | App distribution and subscription billing | As per Google/Apple's own privacy policies |
None of these services receive your financial data in a readable format. Price lookup services receive only asset identifiers (e.g., "AAPL", "bitcoin") — not your portfolio size, quantities held, or personal information.
Your encrypted data may be stored on Google Firebase servers located in the United States or European Union. Google has implemented appropriate safeguards for international data transfers, including Standard Contractual Clauses (SCCs) as approved by the European Commission and the UK Information Commissioner's Office (ICO).
As your financial data is encrypted before it leaves your device, the data stored on these servers is not readable by Google or by us.
Under the UK GDPR and applicable data protection laws, you have the following rights:
To exercise any of these rights, contact us at privacy@nett.finance. We will respond within one month as required by law.
You can delete your data at any time:
Nett is not intended for use by children under the age of 16 (or under 13 where applicable under local law). We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us at privacy@nett.finance and we will promptly delete it.
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):
In accordance with Google Play's Data Safety requirements:
In accordance with Apple's App Privacy ("nutrition label") requirements:
Nett does not use any Apple tracking frameworks (e.g., App Tracking Transparency / ATT is not required as we do not track users).
Nett uses browser localStorage to store your app data and preferences locally on your device. This is essential for the app to function and is not used for tracking or advertising purposes.
We do not use tracking cookies, advertising cookies, or any third-party cookies.
We honour Do Not Track (DNT) signals. However, since we do not track users in any way, this setting has no practical effect on your use of Nett.
We may update this Privacy Policy from time to time. If we make material changes, we will notify you through the app or via email. The "Last updated" date at the top of this page indicates when the policy was last revised.
We encourage you to review this policy periodically.
If you are unhappy with how we handle your personal data, please contact us first at privacy@nett.finance so we can try to resolve the issue.
You also have the right to lodge a complaint with a supervisory authority. In the UK, this is:
Information Commissioner's Office (ICO)
Website: ico.org.uk
Phone: 0303 123 1113
Address: Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF