Privacy Policy (Datenschutzerklärung)

Last updated: March 2026

Protecting your personal data is important to us. Here we explain what data we collect, why we need it, and how we protect it.

Responsible Party

The party responsible for data processing on this website is GeldKI.

Data Collection

We collect data when you register, connect your bank account, or use our AI chat.

Banking Data

When you connect your bank account, we use PSD2-certified APIs (Tink) to retrieve your transaction data. We do not store any bank login credentials. All data is transmitted and stored encrypted.

AI Chat Data

Your chat messages are processed to provide personalized financial advice. We use OpenAI for processing. Your data is not used to train AI models.

Payment Processing

We use Stripe for payments. When you subscribe, your payment data is processed directly by Stripe. We do not store credit card or bank account numbers.

Cookies

We only use technically necessary cookies for app functionality (session management, authentication). We do not use tracking or advertising cookies.

Your Rights

You have the right to access, correct, delete, and restrict the processing of your data at any time. Contact us at kontakt@geldki.de.

  • •Access to your stored data
  • •Correction of inaccurate data
  • •Deletion of your data
  • •Restriction of processing
  • •Data portability
  • •Right to object

Changes

We reserve the right to update this privacy policy. The current version is always available on this page.