Privacy Policy

1. Introduction

Welcome to Rainty ("we", "our", or "us"). Rainty is an AI-powered rental income and property cash flow management application. We are committed to protecting your personal data and respecting your privacy in accordance with applicable data protection regulations, including the General Data Protection Regulation (GDPR) where applicable.

This Privacy Policy explains how we collect, use, store, and protect your information when you use the Rainty application and related services.

2. Data Controller

The data controller for the Rainty application can be contacted for data-related inquiries using the details below:

• Application: Rainty
• Website: rainty.app
• Email: privacy@rainty.app

3. Data We Collect

Rainty connects to your bank account through a licensed Open Banking provider (Enable Banking) using secure APIs. Depending on your usage, we may access:

• Bank account information (account number, IBAN, balance)
• Transaction history (amounts, dates, counterparties, descriptions)
• Account holder name and basic identity information provided by your bank

We may also collect:

• Account registration data (email address, name)
• Property and rental information you manually enter
• Usage data and application logs for diagnostic purposes

4. Legal Basis for Processing

We process your data under the following legal bases:

• Contractual necessity: to provide the core functionality of the app
• Legitimate interest: to improve the application and fix bugs
• Consent: for any optional data processing, which you may withdraw at any time

5. How We Use Your Data

We use the data we collect to:

• Identify and categorize rental income transactions automatically
• Generate cash flow reports and financial summaries
• Provide AI-powered insights about your rental portfolio
• Improve the accuracy and performance of the application
• Ensure security and prevent unauthorized access

6. Open Banking & Third-Party Providers

Rainty uses Enable Banking as its Open Banking aggregation provider. Enable Banking is a licensed Payment Institution authorized under PSD2. When you connect your bank account, you will be redirected to your bank's secure authentication environment.

Enable Banking's own privacy policy applies to the data processing they perform. We encourage you to review it at enablebanking.com/privacy.

7. Data Retention

We retain your data for as long as necessary to provide the service. Specifically:

• Bank connection tokens are stored only for the duration of the authorized session
• Transaction data is retained for up to 24 months for reporting purposes
• Account data is deleted within 30 days of account closure upon request

8. Your Rights

Under GDPR and applicable privacy laws, you have the right to:

• Access the personal data we hold about you
• Rectify inaccurate or incomplete data
• Erase your data ("right to be forgotten")
• Restrict or object to processing
• Portability — receive your data in a structured format
• Withdraw consent at any time where processing is consent-based

To exercise any of these rights, contact us at privacy@rainty.app.

9. Security

We take appropriate technical and organizational measures to protect your data, including:

• Encrypted data transmission (TLS/HTTPS)
• Secure token storage for banking credentials
• Access controls limited to authorized personnel
• Regular security reviews

10. Changes to This Policy

This Privacy Policy may be updated as the application evolves. Material changes will be communicated through the app or via email. We recommend checking this page periodically.

11. Contact

For any privacy-related questions or requests, please contact us at:

📧 privacy@rainty.app
🌐 rainty.app