Your money, your data: how FLOW keeps it private and safe

Where does my file go? Into the EU, encrypted

When you upload your statement, it does not travel openly across the internet. It is encrypted in transit, so it is scrambled on the way to us, and encrypted at rest, so it stays scrambled while it is stored. To anyone without the keys, it is unreadable noise.

Just as important is where it lives. Your file and your report are processed and stored inside the European Union, under EU data-protection law. FLOW is built GDPR-first by design, which means privacy is not a setting we added later, it is the foundation the whole product sits on. Your statement is used for one purpose only: to build your report. It is not training fuel, not a product we resell, not a profile we fatten over time.

Can I delete it? Yes, anytime, for good

Your data should feel like a guest in your home, not a tenant who will not leave. You can delete your uploaded files and your reports whenever you want, permanently. When they are gone, they are gone, not hidden in a recycle bin we quietly keep.

This matters because real control is not a promise to behave well, it is a button you can press yourself. Try FLOW, get your report, and if you decide it is not for you, take your data back out with you. Nothing about leaving should be harder than arriving.

Will you sell my financial data? Never

This is the fear that keeps people from ever starting, so let us be blunt. We never sell or share your financial data. There is no side business in your spending, no buyer waiting in the background, no quiet arrangement with a data broker. Your numbers are yours.

We also run no third-party advertising trackers inside the experience. You are not being followed around the web because you looked at your own finances. There is no advertising machine being fed by your statement, because that machine simply does not exist here.

The safeguards, in one place

• No bank login, ever. You upload a PDF or CSV statement and nothing more. We have no access to your account.
• Encrypted in transit and at rest. Your file is scrambled on the way in and while it is stored.
• Stored inside the EU. Your data is processed and kept within the European Union, under EU law.
• GDPR-first by design. Privacy is the foundation of the product, not an afterthought.
• Delete anytime, permanently. You can remove your files and reports for good whenever you choose.
• Never sold, never shared. Your financial data is never sold or shared with anyone.
• No advertising trackers. No third-party trackers follow you because you used FLOW.
• One purpose only. Your statement is used solely to build your report.

Who is actually behind FLOW

Trust is easier when you know who you are dealing with. FLOW is built by an EU company based in Prague. That is not a detail we hide in a footer. It means we operate under European rules, in a European jurisdiction, with the obligations that come with both. You are not uploading your statement into an anonymous void on the other side of the world.

Start safely, on your terms

You do not have to take any of this on faith alone. The honest test is to try it the careful way: upload a single statement, see your report, and delete everything the moment you want to. No bank login is required, your data stays in the EU and encrypted, and it is never sold. That is the whole arrangement, in plain words.

Try FLOW safely, free ›