Hello, this is Fintag, the AI-powered corporate financial asset optimization solution. We sincerely thank all of our customers for trusting Fintag with the management of your company's valuable financial assets.
To provide a safer, more reliable service and better protect our members' rights, Fintag is updating its Terms of Service. This update reflects the expansion of our service — including the launch of our AI cash flow forecasting and anomalous transaction detection service and our mobile app — and clearly defines the data handling standards and terms of use for these new features.
📌 Summary of the Update
- Version: v1.2 → v1.3
- Effective date: Tuesday, July 14, 2026
- Direction of the update: ① Codifying data protection standards for the AI prediction service ② Reflecting new usage environments such as the mobile app and social login ③ Strengthening member rights in subscription payments and financial product connections
💡 What Changes for You
🔐 Stricter data protection — Transaction data passed to the AI prediction service is pseudonymized with internal identifiers (IDs), so identifying information such as company names, business registration numbers, and account numbers is never passed to the AI model. The data is never provided to third parties and never used to train AI models. Original data is stored in an encrypted database, isolated per member (company).
💳 More transparent billing — For subscriptions, we will notify you of the charge amount and billing date by email or in-service notification before each renewal, and we will obtain your consent before any price increase.
📄 Your documents remain yours — Rights to documents you upload or create belong to you, and documents generated with AI (HWP, DOCX, etc.) may be used freely.
📱 New usage environments reflected — The Terms now clearly cover the mobile app, login with Google or Apple accounts, financial institution integration (with encrypted certificate storage), and external service integrations.
📋 Changes by Article (compared to v1.2)
| Article | Change |
|---|---|
| Article 2 (Definitions) | Mobile app included in the definition of the Service; new definitions for Partner Members and External Services |
| Article 4 (Formation of Agreement) | New basis for sign-up and login via external accounts such as Google and Apple |
| Article 10 (Changes to the Service) | Possible changes to service conditions due to app market (App Store, Google Play) policies |
| Article 11 (Payment) | New provisions on subscription auto-renewal, advance notice before renewal charges, and consent for price increases |
| Article 12 (Withdrawal and Refunds) | New withdrawal/termination standards for financial product contracts |
| Article 12-2 (New) | Financial product information and connection service, and Partner Member obligations |
| Article 16 (AI Services) | Clarified data handling for document-based AI features; new AI prediction service provision (Paragraph 5) |
| Article 16-2 (New) | Rights to member content and AI-generated output |
| Article 16-3 (New) | Management standards for external service integration and sharing (messengers, calendars, etc.) |
| Article 16-4 (New) | Financial institution integration (delegated retrieval, encrypted certificate storage and destruction) |
📅 Effective Date
- The updated Terms of Service take effect on Tuesday, July 14, 2026.
- The full text of the updated Terms is available on the Terms of Service page.
- Continued use of the service on or after the effective date constitutes agreement to the updated Terms; for the AI prediction service, using it for the first time (running a forecast) constitutes agreement to Article 16, Paragraph 5. If you do not agree to the updated Terms, please contact our support team at support@fintag.kr.
- The cash flow forecasting service is available even before the effective date if you agree to the updated Terms in advance within the service.
- Our Privacy Policy has also been updated (v1.2), effective the same day — it now specifies the data collected when signing up with external accounts (Google/Apple), disclosures related to app push notifications, digital certificate storage, and AI data handling standards. The full text is available on the Privacy Policy page.
Fintag holds the safe handling of your valuable financial data as its highest principle, and we will continue to advance our technology so that small and medium-sized businesses can enjoy enterprise-grade financial asset management.
Thank you. From the Fintag Team
