Trust & Security at ZivaFinance

Money is sensitive, so ZivaFinance is built to earn trust from the first connection.

Regulated Open Banking (PSD2) — access to your accounts is read-only and granted through your bank's own secure authorisation flow.
ZivaFinance never moves money on your behalf. It cannot make payments or transfers — it only reads to give you insight.
GDPR-compliant by design, with the right to access, export, and erase your data.
Encryption in transit and at rest.
We do not build or train AI models. ZivaFinance uses Google's Gemini through their API and never fine-tunes it on your data, so the EU Code of Practice for General-Purpose AI Models — which binds the providers of the models — applies to Google rather than to ZivaFinance. AI features are disclosed in the app and in the privacy policy, and are optional.
Revoke access at any time — you stay in control of the connection.