Finance Hub is open-source software provided as-is. Please read before use.
1. Open Source / As-Is
Finance Hub is released under an open-source licence. The software is provided "as is", without warranty of any kind — express or implied — including but not limited to fitness for a particular purpose or non-infringement. Use is at your own risk.
2. Your Data is Your Responsibility
Finance Hub stores all data locally on your own infrastructure (Docker + PostgreSQL). You are solely responsible for the security, backup, and integrity of your data. The developer assumes no liability for data loss, corruption, or unauthorised access.
3. Cloud AI — Data Transfer & PII Masking
If you configure a cloud-based AI provider (Anthropic Claude, OpenAI, Google Gemini), your financial context — account balances, income, expenses, and scenarios — is transmitted to that provider's API servers with each AI request. Before transmission, Finance Hub automatically replaces personally identifying values — first and last names, AHV numbers, IBANs, email addresses, phone numbers, and physical addresses — with non-identifying placeholders (PERSON_1, AHV_1, IBAN_1, etc.). Placeholders are restored to real values only in the response rendered in your browser; the cloud provider receives only placeholders. Non-identifying context that shapes Swiss tax reasoning (canton, marital status, age, number of children) is transmitted unchanged. This masking is automatic, always on for cloud providers, and cannot be disabled through settings. The transmission is still governed by the respective provider's privacy policy — you are responsible for reviewing their terms. Finance Hub itself sends no telemetry and has no access to your data or API keys.
4. File Attachments — Pre-Send Scan & Known Limits
When you attach a file to an AI chat (PDF, image, or text file), Finance Hub scans the file locally on your self-hosted server before transmission. PDFs are parsed for embedded text; scanned PDFs without a text layer and images are processed via optical character recognition (OCR, up to 10 pages per PDF). The extracted text is checked for Swiss PII patterns (AHV, IBAN, email, phone, credit-card numbers) and for any profile values you have entered (name, address, city). Detected items are displayed in a confirmation dialog, and you must explicitly click "Send anyway" before the file leaves your server. IMPORTANT: unlike the structured context described in section 3, file contents are NOT rewritten. PDFs and images are transmitted to the cloud provider as-is — the pre-send scan is informational, not sanitising. Known limits: (a) arbitrary names not in your profile may not be detected; (b) handwriting, stamps, embedded logos and low-quality scans may not be recognised by OCR; (c) scanned PDFs are OCR-processed up to a page limit (currently 10) — content beyond is not scanned; (d) the scan is best-effort pattern detection, not a guarantee of completeness. If a file contains information you do not wish to transmit, remove or redact it before attaching. When using the local Ollama provider, no scan is performed because no data leaves your machine.
5. Local Mode Privacy
When using Ollama (local AI), no financial data leaves your machine. The application has no internet connectivity beyond fetching market quotes (Yahoo Finance) and optional Google Fonts. No telemetry, no analytics, no tracking of any kind.
6. No Financial Advice
Finance Hub and its AI features are tools for personal financial organisation and calculation only. Nothing in this application constitutes financial, tax, legal, or investment advice. Always consult a qualified professional for decisions specific to your situation.
7. Jurisdiction
These terms are governed by Swiss law. Any disputes shall be subject to the exclusive jurisdiction of the courts of the Canton of Schaffhausen, Switzerland.
Last updated: April 2026. Finance Hub is developed independently. Contact: rene@hungerbuhler.ch