Finance Hub ist Software, die ohne Gewähr bereitgestellt wird. Bitte vor der Nutzung lesen.
1. Ohne Gewähr
Die Software wird "wie besehen" bereitgestellt, ohne jegliche Gewährleistung — ausdrücklich oder stillschweigend — einschliesslich, aber nicht beschränkt auf die Eignung für einen bestimmten Zweck. Die Nutzung erfolgt auf eigenes Risiko.
2. Ihre Daten sind Ihre Verantwortung
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
Bei Verwendung von Ollama (lokale KI) verlassen keine finanziellen Daten Ihren Computer. Die Anwendung hat keine Internetverbindung ausser dem Abrufen von Marktdaten (Google Finance) und optionalen Google Fonts. Keine Telemetrie, keine Analytik, kein Tracking jeglicher Art.
6. No Financial Advice — Recommendations Only
Finance Hub and its AI features are tools for personal financial organisation, calculation, and recommendation only. The application provides financial recommendations and suggestions — it does not constitute professional financial, tax, legal, or investment advice. Finance Hub is not a licensed financial advisor, and no content within this application should be interpreted as professional advisory services. Always consult a qualified professional for decisions specific to your situation.
7. Jurisdiction
Diese Bedingungen unterliegen Schweizer Recht. Streitigkeiten unterliegen der ausschliesslichen Zuständigkeit der Gerichte des Kantons Zürich, Schweiz.
Last updated: April 2026. Finance Hub is developed independently. Contact: rene@hungerbuhler.ch