Privacy policy
Oikos is a household finance application provided by Erasmus Digital, Inc. (“Erasmus Digital”, “we”, “us”). This policy explains what information Oikos collects, how we use it, and the choices you have. It applies to oikos.financial, app.oikos.financial and the messages we send you.
Information we collect
- Account information: your name, e-mail address and, if you add one, your mobile phone number. Accounts are created by invitation.
- Sign-in and security information: your password (stored only as a protected hash by our identity provider), your multi-factor authentication settings, and records of sign-in attempts.
- Financial information you provide: statements and files you or your household add to Oikos, and the transactions, balances, categories, notes and rules derived from them.
- Consent records: when you agree to receive text messages, we record the number, the time, and the wording you agreed to, so we can show that consent was given.
- Technical information: standard server logs such as IP address, browser type and the pages requested, used to operate and secure the service.
How we use information
- To provide Oikos: build your household's ledger, reconcile statements and show your dashboard.
- To secure your account, including sending one-time sign-in codes by e-mail or text message.
- To send service messages, such as invitations, password resets and security notices.
- To maintain, troubleshoot and improve the service.
- To comply with law and to protect the rights and safety of our users and of Erasmus Digital.
We do not sell your personal information, and we do not use your financial information for advertising.
Text messages (SMS)
Mobile numbers and SMS opt-in consent are never shared with, sold to, or rented to third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are not shared with any third parties, except the service providers that deliver our messages on our behalf.
If you add a mobile number and agree to receive text messages, we use it only for the program you agreed to, such as one-time sign-in codes. You can stop at any time by replying STOP or by removing the number from your Oikos account. See the SMS terms.
How information is shared
We share information only as needed to run Oikos:
- Service providers that host and operate Oikos for us under contract, including Amazon Web Services (hosting, storage, identity, e-mail and text message delivery). They may use the information only to provide services to us.
- Connected services you choose, such as a Google Drive folder you connect so Oikos can read the statements you place there.
- Members of your household whom the household's account owner invites, who can see that household's information.
- Legal requirements: when required by law, or to protect rights, safety and security.
- Business transfers: if Erasmus Digital is involved in a merger or acquisition, subject to this policy.
Security
Oikos requires multi-factor authentication on every sign-in. Information is encrypted in transit and at rest, and each household's information is kept separate. No system is perfectly secure, but we work to protect your information and will notify you as required by law if a breach affects it.
Retention
We keep your information while your account is active. If your household's account is closed, we delete its information within 90 days, except where we must keep records to meet legal obligations, resolve disputes or enforce agreements. Consent records for text messages are kept for at least four years after you opt out.
Your choices and rights
- Review and update your account information in Oikos, or ask us to.
- Remove your mobile number or reply STOP to stop text messages.
- Ask for a copy of your information, or for its correction or deletion, by writing to support@oikos.financial. Depending on where you live, you may have additional rights under local law, and we will honor them.
Children
Oikos is not directed to children under 13, and we do not knowingly collect their personal information.
Changes
We may update this policy. If we make material changes we will tell account holders before they take effect. The effective date above shows when it last changed.
Contact
Erasmus Digital, Inc. · support@oikos.financial