Finto
Graded against 811 verified platforms, from its own policy text. Automated assessment against a published rubric — not legal advice.
No lens is bandable yet — banding requires fully verified documents with on-criteria findings. The gap is shown honestly, never estimated.
Partially verified: Privacy Policy assessed. Everything below comes only from what was read in full.
Lower concern: audit rights dpa residency
Start here. These are the highest-risk verified clauses AIRIN found in the platform's own policy text.
Describes the controller's role as a data processor for its customers, identifies the categories of personal data processed (names, contact details, bank details from invoices), and specifies that a separate data processing agreement governs the details of subject matter, duration, nature, purpose, categories of data subjects, and types of personal data.
Describes the controller's use of SSL or TLS encryption to protect confidential content transmitted via the website, and states that encrypted data cannot be read by third parties, establishing a security-based protective measure for data in transit.
Obliges the controller to implement appropriate technical and organizational measures including encryption in transit and at rest, access control, regular security reviews, and contractual confidentiality obligations on all employees to protect personal data processed within its software.
How to read this page: Overall risk rates what Finto's own policy terms mean for your prompts, outputs, and data. The benchmark bands below grade those same verified terms relative to peers — a platform in a risky-by-default category can rate HIGH risk and still grade STRONG against its peer set. Both trace to the cited findings.
Partially verified — Privacy Policy — Verified (read in full, 42 findings). Findings below are from fully-read, verified documents only; remaining core documents are pending capture.
Terms not yet captured
AIRIN has not yet captured a gate-verified Terms of Service document for this platform.
- Privacy PolicyVerified - read in full - 42 citationsLast captured 2026-07-20
Only citation-backed plan differences are shown here; absent cells mean AIRIN has not verified a tier-specific claim.
States the legal bases for cookie storage (legitimate interest for required cookies; consent for others), specifies that processing on the basis of consent occurs exclusively upon that consent, and informs users of their right to revoke consent and to configure their browser to receive notifications about cookies.
"6(1)(f) GDPR, unless a different legal basis is cited. The operator of the website has a legitimate interest in the storage of required cookies to ensure the technically error-free and optimized provision of the operator's services. If your..."
Identifies the website operator as the data controller, explains that data is collected both through user input (e.g., contact forms) and automatically by IT systems or upon consent, establishing the mechanism and basis for data collection.
" Who is the responsible party for the recording of data on this website (i.e., the "controller")? The data on this website is processed by the operator of the website, whose contact information is available under the section "Information ..."
Restricts disclosure of personal data to external parties to situations where it is required for contract fulfillment, legally mandated, based on legitimate interest, or another legal basis permits it, thereby limiting onward data sharing to enumerated grounds — user-favorable.
" In the scope of our business activities, we cooperate with various external parties. In some cases, this also requires the transfer of personal data to these external parties. We only disclose personal data to external parties if this is r..."
Evidence appendix
Showing priority citations first. The full appendix is available for audit trails; not every citation is a severe risk.
" If you submit inquiries to us via our contact form, the information provided in the contact form as well as any contact information provided therein will be stored by us in order to handle your inquiry and in the event that we have further questions. We will not share this information without your consent. The processing of these data is based on Art. 6(1)(b) GDPR, if your request is related to the execution of a contract or if it is necessary to carry out pre-contractual measures. In all other cases the processing is based on our legitimate interest in the effective processing of the requests addressed to us (Art. 6(1)(f) GDPR) or on your agreement (Art. 6(1)(a) GDPR) if this has been requested; the consent can be revoked at any time. The information you have entered into the contact form shall remain with us until you ask us to eradicate the data, revoke your consent to the archiving of data or if the purpose for which the information is being archived no longer exists (e.g., after we have concluded our response to your inquiry). This shall be without prejudice to any mandatory legal provisions, in particular retention periods."
States that data received via email, telephone, or fax — including personal data such as name and request — is stored and processed for the purpose of handling the request, that it is not passed on without consent, and identifies the applicable legal bases for such processing.
AI-generated interpretation, not legal advice.
" If you have restricted the processing of your personal data, these data – with the exception of their archiving – may be processed only subject to your consent or to claim, exercise or defend legal entitlements or to protect the rights of other natural persons or legal entities or for important public interest reasons cited by the European Union or a member state of the EU."
Restricts the permissible purposes for which restricted personal data may be processed — limiting use to archiving, consent-based processing, legal entitlement claims, protection of other persons' rights, or important public interest reasons — thereby limiting the controller's ability to process data once a restriction is in place.
AI-generated interpretation, not legal advice.
" For security reasons and to protect the transmission of confidential content, such as purchase orders or inquiries you submit to us as the website operator, this website uses either an SSL or a TLS encryption program. You can recognize an encrypted connection by checking whether the address line of the browser switches from "http://" to "https://" and also by the appearance of the lock icon in the browser line. If the SSL or TLS encryption is activated, data you transmit to us cannot be read by third parties."
Describes the controller's use of SSL or TLS encryption to protect confidential content transmitted via the website, and states that encrypted data cannot be read by third parties, establishing a security-based protective measure for data in transit.
AI-generated interpretation, not legal advice.
" We have implemented appropriate technical and organizational measures (TOMs) to ensure the protection of personal data processed within our software. These include, among others, encryption of data in transit and at rest, access control and authorization management, regular security reviews, and the contractual obligation of all employees to maintain confidentiality."
Obliges the controller to implement appropriate technical and organizational measures including encryption in transit and at rest, access control, regular security reviews, and contractual confidentiality obligations on all employees to protect personal data processed within its software.
AI-generated interpretation, not legal advice.
" In the scope of our business activities, we cooperate with various external parties. In some cases, this also requires the transfer of personal data to these external parties. We only disclose personal data to external parties if this is required as part of the fulfillment of a contract, if we are legally obligated to do so (e.g., disclosure of data to tax authorities), if we have a legitimate interest in the disclosure pursuant to Art. 6(1)(f) GDPR, or if another legal basis permits the disclosure of this data. When using processors, we only disclose personal data of our customers on the basis of a valid contract on data processing."
Restricts disclosure of personal data to external parties to situations where it is required for contract fulfillment, legally mandated, based on legitimate interest, or another legal basis permits it, thereby limiting onward data sharing to enumerated grounds — user-favorable.
AI-generated interpretation, not legal advice.
" Finto provides an AI-powered software platform for automating accounts payable processes. In the course of using our software, we process personal data (e.g., names, contact details and bank details on incoming invoices) as a data processor within the meaning of Art. 28 GDPR on behalf of our customers. The details of data processing – in particular the subject matter, duration, nature and purpose of processing, categories of data subjects and types of personal data – are set out in a separate data processing agreement (DPA) between Finto and the respective customer."
Describes the controller's role as a data processor for its customers, identifies the categories of personal data processed (names, contact details, bank details from invoices), and specifies that a separate data processing agreement governs the details of subject matter, duration, nature, purpose, categories of data subjects, and types of personal data.
AI-generated interpretation, not legal advice.
" If you contact us by e-mail, telephone or fax, your request, including all resulting personal data (name, request) will be stored and processed by us for the purpose of processing your request. We do not pass these data on without your consent. These data are processed on the basis of Art. 6(1)(b) GDPR if your inquiry is related to the fulfillment of a contract or is required for the performance of pre-contractual measures. In all other cases, the data are processed on the basis of our legitimate interest in the effective handling of inquiries submitted to us (Art. 6(1)(f) GDPR) or on the basis of your consent (Art. 6(1)(a) GDPR) if it has been obtained; the consent can be revoked at any time. The data sent by you to us via contact requests remain with us until you request us to delete, revoke your consent to the storage or the purpose for the data storage lapses (e.g., after completion of your request). Mandatory statutory provisions – in particular statutory retention periods – remain unaffected."
States that personal data received via email, telephone, or fax is stored and processed to handle the inquiry, that it is not passed on without consent, and cites the legal bases for processing depending on whether the inquiry relates to a contract or to a legitimate interest.
AI-generated interpretation, not legal advice.
" You have the right to demand the imposition of restrictions as far as the processing of your personal data is concerned. To do so, you may contact us at any time. The right to demand restriction of processing applies in the following cases: In the event that you should dispute the correctness of your data archived by us, we will usually need some time to verify this claim. During the time that this investigation is ongoing, you have the right to demand that we restrict the processing of your personal data."
Extends the right to demand restriction of processing as an alternative to erasure where processing was conducted unlawfully — providing a data subject option in cases of unlawful processing.
AI-generated interpretation, not legal advice.
"6(1)(f) GDPR, unless a different legal basis is cited. The operator of the website has a legitimate interest in the storage of required cookies to ensure the technically error-free and optimized provision of the operator's services. If your consent to the storage of the cookies and similar recognition technologies has been requested, the processing occurs exclusively on the basis of the consent obtained (Art. 6(1)(a) GDPR and § 25(1) TTDSG); this consent may be revoked at any time. You have the option to set up your browser in such a manner that you will be notified any time cookies are placed and to permit the acceptance of cookies only in specific cases. You may also exclude the acceptance of cookies in certain cases or in general or activate the delete-function for the automatic eradication of cookies when the browser closes. If cookies are deactivated, the functions of this website may be limited. Which cookies and services are used on this website can be found in this privacy policy."
States the legal bases for cookie storage (legitimate interest for required cookies; consent for others), specifies that processing on the basis of consent occurs exclusively upon that consent, and informs users of their right to revoke consent and to configure their browser to receive notifications about cookies.
AI-generated interpretation, not legal advice.
" Our websites and pages use what the industry refers to as "cookies." Cookies are small data packages that do not cause any damage to your device. They are either stored temporarily for the duration of a session (session cookies) or they are permanently archived on your device (permanent cookies). Session cookies are automatically deleted once you terminate your visit. Permanent cookies remain archived on your device until you actively delete them, or they are automatically eradicated by your web browser. Cookies can be issued by us (first-party cookies) or by third-party companies (so-called third-party cookies). Third-party cookies enable the integration of certain services of third-party companies into websites (e.g., cookies for handling payment services). Cookies have a variety of functions. Many cookies are technically essential since certain website functions would not work in the absence of these cookies (e.g., the shopping cart function or the display of videos). Other cookies may be used to analyze user behavior or for promotional purposes. Cookies, which are required for the performance of electronic communication transactions, for the provision of certain functions you want to use (e.g., for the shopping cart function) or those that are necessary for the optimization (required cookies) of the website (e.g., cookies that provide measurable insights into the web audience), shall be stored on the basis of Art. "
Defines what cookies are, distinguishes session cookies from permanent cookies, and distinguishes first-party from third-party cookies, establishing the conceptual framework for subsequent obligations and rights regarding cookie use.
AI-generated interpretation, not legal advice.
" The following information will provide you with an overview of what will happen with your personal data when you visit this website. The term "personal data" comprises all data that can be used to personally identify you. For detailed information about the subject matter of data protection, please consult our Privacy Policy below."
Defines 'personal data' as data that can be used to personally identify a person and provides an introductory overview of how personal data is handled when visiting the website, establishing the scope of the policy.
AI-generated interpretation, not legal advice.
" Who is the responsible party for the recording of data on this website (i.e., the "controller")? The data on this website is processed by the operator of the website, whose contact information is available under the section "Information about the responsible party (referred to as the 'controller' in the GDPR)" in this Privacy Policy. How do we record your data? We collect your data as a result of your sharing of your data with us. This may, for instance, be information you enter into our contact form. Other data shall be recorded by our IT systems automatically or after you consent to its recording during your website visit. This data comprises primarily technical information (e.g., web browser, operating system, or time the site was accessed). This information is recorded automatically when you access this website. What are the purposes we use your data for? A portion of the information is generated to guarantee the error-free provision of the website. Other data may be used to analyze your user patterns. What rights do you have as far as your information is concerned? You have the right to receive information about the source, recipients, and purposes of your archived personal data at any time without having to pay a fee for such disclosures. You also have the right to demand that your data are rectified or eradicated. If you have consented to data processing, you have the option to revoke this consent at any time, which shall affect all future data processing. "
Identifies the website operator as the data controller, explains that data is collected both through user input (e.g., contact forms) and automatically by IT systems or upon consent, establishing the mechanism and basis for data collection.
AI-generated interpretation, not legal advice.
"Moreover, you have the right to demand that the processing of your data be restricted under certain circumstances. Furthermore, you have the right to log a complaint with the competent supervising agency. Please do not hesitate to contact us at any time if you have questions about this or any other data protection related issues."
Grants data subjects the right to demand restriction of processing of their data under certain circumstances and the right to lodge a complaint with a supervising agency.
AI-generated interpretation, not legal advice.
" The operators of this website and its pages take the protection of your personal data very seriously. Hence, we handle your personal data as confidential information and in compliance with the statutory data protection regulations and this Privacy Policy. Whenever you use this website, a variety of personal information will be collected. Personal data comprises data that can be used to personally identify you. This Privacy Policy explains which data we collect as well as the purposes we use this data for. It also explains how, and for which purpose the information is collected. We herewith advise you that the transmission of data via the Internet (i.e., through e-mail communications) may be prone to security gaps. It is not possible to completely protect data against third-party access. Information About the Responsible Party (Referred to as the "Controller" in the GDPR) The data processing controller on this website is:"
Provides the controller's name, address (Finto GmbH, Weinsteige 7, 97980 Bad Mergentheim, Germany) and managing directors, identifying the responsible party for data processing purposes.
AI-generated interpretation, not legal advice.
" If the processing of your personal data was/is conducted in an unlawful manner, you have the option to demand the restriction of the processing of your data instead of demanding the eradication of this data."
Grants data subjects the right to demand restriction of processing instead of erasure when they need the data to exercise, defend, or claim legal entitlements and the controller no longer requires it — establishing a preservation-based restriction right.
AI-generated interpretation, not legal advice.
" If you have raised an objection pursuant to Art. 21(1) GDPR, your rights and our rights will have to be weighed against each other. As long as it has not been determined whose interests prevail, you have the right to demand a restriction of the processing of your personal data."
Grants the data subject the right to demand restriction of personal data processing while competing interests under an objection are being weighed, establishing a procedural right pending resolution of the conflict between the controller's and subject's interests.
AI-generated interpretation, not legal advice.
" A wide range of data processing transactions are possible only subject to your express consent. You can also revoke at any time any consent you have already given us. This shall be without prejudice to the lawfulness of any data collection that occurred prior to your revocation. Right to Object to the Collection of Data in Special Cases; Right to Object to Direct Advertising (Art. 21 GDPR) IN THE EVENT THAT DATA ARE PROCESSED ON THE BASIS OF ART. 6(1)(E) OR (F) GDPR, YOU HAVE THE RIGHT TO AT ANY TIME OBJECT TO THE PROCESSING OF YOUR PERSONAL DATA BASED ON GROUNDS ARISING FROM YOUR UNIQUE SITUATION. THIS ALSO APPLIES TO ANY PROFILING BASED ON THESE PROVISIONS. TO DETERMINE THE LEGAL BASIS, ON WHICH ANY PROCESSING OF DATA IS BASED, PLEASE CONSULT THIS PRIVACY POLICY. IF YOU LOG AN OBJECTION, WE WILL NO LONGER PROCESS YOUR AFFECTED PERSONAL DATA, UNLESS WE ARE IN A POSITION TO PRESENT COMPELLING PROTECTION WORTHY GROUNDS FOR THE PROCESSING OF YOUR DATA, THAT OUTWEIGH YOUR INTERESTS, RIGHTS AND FREEDOMS OR IF THE PURPOSE OF THE PROCESSING IS THE CLAIMING, EXERCISING OR DEFENCE OF LEGAL ENTITLEMENTS (OBJECTION PURSUANT TO ART. 21(1) GDPR). IF YOUR PERSONAL DATA IS BEING PROCESSED IN ORDER TO ENGAGE IN DIRECT ADVERTISING, YOU HAVE THE RIGHT TO OBJECT TO THE PROCESSING OF YOUR AFFECTED PERSONAL DATA FOR THE PURPOSES OF SUCH ADVERTISING AT ANY TIME. THIS ALSO APPLIES TO PROFILING TO THE EXTENT THAT IT IS AFFILIATED WITH SUCH DIRECT ADVERTISING. IF YOU OBJECT, YOUR PERSONAL DATA WILL SUBSEQUENTLY NO LONGER BE USED FOR DIRECT ADVERTISING PURPOSES (OBJECTION PURSUANT TO ART. 21(2) GDPR)."
Grants data subjects the right to object at any time to processing of their personal data based on grounds arising from their unique situation where processing is based on legitimate interest or public task, and includes a right to object to direct advertising processing.
AI-generated interpretation, not legal advice.
" E-mail: datenschutz@finto.de The controller is the natural person or legal entity that single-handedly or jointly with others makes decisions as to the purposes of and resources for the processing of personal data (e.g., names, e-mail addresses, etc.)."
Provides the controller's contact email for data protection matters and defines 'controller' as the entity that determines the purposes and means of personal data processing.
AI-generated interpretation, not legal advice.
Clause detail — protections, your obligations, and coverage
Every clause below is a verbatim quote from Finto's own published policy, read in full and linked to its exact location. Protections and user obligations are reported separately from risk because they are different kinds of clause — an obligation on you is not a risk to your data. Informational only, not legal advice.
✅ Protections found
0 verified clausesClauses in Finto's policies that work in your favour — commitments the platform made to you.
No protective clause has been verified in Finto's published policies yet. That means we did not find one in the documents we read — not that the platform offers nothing.
📋 Rules you must follow
0 verified clausesWhat Finto requires of YOU. These are your obligations, not risks to your data or IP, so they are cited here and excluded from this platform's risk rating.
No user-conduct rule has been verified in Finto's published policies yet.
What the policies actually cover
0 topicsNone of Finto's verified clauses has been assigned a topic yet. The clause-trust review has not reached this platform's findings.
Clause intelligence
Canonical clauses and stance patterns extracted from the same gate-verified citations shown on this page.
Capture recency
- Privacy Policy:Last captured 2026-07-20· verified 2026-07-20verified once — not yet re-verified
Dates state when our pipeline captured and verified each document — not when the vendor last changed it. Documents are re-scanned on a recurring cadence; a document verified once says so until a re-scan confirms it again.
45 findings first captured First scan: July 2026.
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We haven't yet verified Finto's Terms of Service. Point us at the official page and our pipeline will attempt to capture and read it in full. Submissions are candidates only — nothing is published until it passes the same verification gates as every other document on this site.
Every finding above is a verbatim quote from Finto's own published policy, captured to an immutable snapshot and read in full through a two-gate verification pipeline. Confidence labels and any analysis are AI-generated and informational only — not legal advice.
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