Questions about Yfiniq, answered plainly.

No. Yfiniq has no bank integration — you add accounts and transactions yourself. Nothing ever asks for your banking credentials, because there is nothing to connect.

It is an app you can talk to about your own money. Rather than hunting through screens, you ask a question in plain language — “what did I spend on groceries in July?” — and Yfiniq reads your ledger and answers, or records the transaction, budget or goal for you. It only ever sees the data in your own account.

Enter accounts and transactions directly, or ask the assistant in plain language and it will record them for you. Automatic bank import is not available.

To answer a question it sends the relevant parts of your financial data to an external AI provider. If one provider is unavailable the request fails over, so a single question may reach more than one of them. Every provider we use is named in our Privacy Policy.

No. Yfiniq runs no advertising and no analytics or behavioural tracking. The one third party that sees anything is our error-diagnostics tool, and only when something breaks — request contents, your email and your IP are stripped before it is sent.

Yes. Holdings you enter roll up into your net-worth number, with cost basis and unrealised gains. Yfiniq never places trades.

You can delete any chat conversation, or your entire chat history, and the records are removed from the database rather than hidden.

Nothing. It is free while in early access, and there is no billing system in the product — no card is stored, no plan exists to upgrade to, and nothing can charge you.

No. Yfiniq is a web app and runs in any modern browser, on a phone as well as a desktop. There is no iOS or Android app, and any listing claiming otherwise is not us.

Every ISO 4217 currency code, plus an “other” option for anything outside the standard. Each account carries its own currency rather than the whole app being locked to one.

Yes. Export produces one JSON document containing everything Yfiniq holds for your account. It is not gated behind a plan, and it is not a summary — it is the records themselves.

Yes. Deleting your account removes your rows from the database rather than flagging them hidden, and there are integration tests that check the data is genuinely gone afterwards.

It cannot delete anything without an explicit confirmation from you, and that rule is enforced by the server rather than by the instructions given to the model — a model that ignored the instruction still gets rejected before anything runs. Deletions that do happen can be undone.

No. Every screen works without it, and it is the only part of Yfiniq that sends your data to an external provider. If you never open it, nothing about your finances leaves the app.