Is Talvo a bank?+
No, Talvo is not a bank. We do not hold, manage, or transfer your money. Talvo is an independent personal finance tracking and budgeting tool that helps you aggregate, organise, and analyse your financial transactions in one clear overview.
Can Talvo see my bank login credentials?+
No, absolutely not. Talvo never sees, collects, or stores your bank passwords, PINs, or Multi-Factor Authentication (MFA) codes. When you link your bank account, you are securely redirected to your own bank’s native interface to authorise the connection. The authentication happens entirely between you and your bank.
How does the bank connection work?+
We use secure Open Banking technology (regulated under European PSD2 legislation). To establish a secure connection with your bank, we partner with Enable Banking, a fully licensed and regulated Account Information Service Provider (AISP). Once you grant permission through your bank, Enable Banking securely transmits your transaction history and account balances to Talvo.
Do you sell my data to third parties?+
Never. We do not sell, rent, or trade your personal or financial information to third parties (such as advertisers, insurance companies, or other financial institutions) for marketing or any other purposes. Your data is strictly used to run the Talvo app for you.
How is my data secured?+
All data sent between your device, our servers, and your bank is encrypted using HTTPS / TLS; all data stored in our databases is fully encrypted at rest (AES-256); and access to our database servers is restricted to the absolute minimum of authorised technical staff.
Where is my data stored?+
All Talvo user data is stored on secure cloud servers located entirely within the European Economic Area (EEA). This ensures your data is protected by the strict standards of the European General Data Protection Regulation (GDPR).
How long do you keep my data?+
We keep your personal and financial data only as long as you have an active account with us.
What happens if I delete my account?+
Your account details and all retrieved bank transactions are immediately and permanently deleted from our production databases. It may take up to 30 days for this data to be completely cleared from our secure, encrypted backup systems.
Can I disconnect my bank account at any time?+
Yes. You can revoke permission and disconnect your bank account at any moment through the settings in the Talvo app. Once disconnected, we will immediately stop retrieving any new data and delete any previously synchronised bank data from our active systems.
How can I export my data?+
Under the GDPR, you have the right to data portability. You can request a complete export of your transaction history and account profile in a structured, machine-readable format (such as JSON or CSV) at any time through the app settings or by reaching out to us.