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Privacy Policy

How Guito Labs, Unipessoal Lda processes your personal data when you use guito.

This Privacy Policy explains how Guito Labs, Unipessoal Lda ("guito", "we" or "us") processes your personal data when you use the guito.pt and guito.app websites and the guito mobile apps (together, the "Service"), under Regulation (EU) 2016/679 (General Data Protection Regulation, "GDPR") and applicable Portuguese law.

1. Controller

  • Guito Labs, Unipessoal Lda, tax and registration number (NIPC) 518 823 830
  • Registered office: Rua Alexandre Ferreira 36, 2.º Frt, 1750-012 Lisboa, Portugal
  • Contact for data protection matters: support@guito.app

2. Data we process

  • Account data: name, email address and authentication data. If you sign in with Apple or Google, we receive your name, your email address (with Apple, this may be a relay address) and your account identifier with that provider, and never the password of that account.
  • Financial data: accounts, balances, transactions, investments, assets, loans, budgets and goals that you enter or that, at your request, we obtain from the institutions you connect (banks, brokerages and meal cards), and the documents you upload for import. We do not receive the credentials for your banks. We also process the credentials needed for the brokerage and meal-card connections you authorise.
  • Conversations and communications: your conversations with the artificial intelligence (AI) assistant and the messages you send us.
  • Technical and usage data: IP address and the approximate location derived from it (city and country), device and browser type, operating system, access dates and times, features used, errors and performance and, in the mobile apps, installation identifiers and, if you allow notifications, the device's notification token. We do not use the device's advertising identifier.
  • Preferences: app, notification and consent settings.

Your name and email address are required to create an account; without them we cannot provide the Service. Any other data depends on the features you choose to use.

3. Purposes and legal bases

PurposeLegal basis (Article 6(1) GDPR)
Creating and managing your account and providing the Service, including connections to institutions, document import, calculations and the AI assistantPerformance of a contract (point (b))
Processing subscriptions and paymentsPerformance of a contract (point (b))
Sending information about your account and the Service, including changes to these documentsPerformance of a contract (point (b))
Sending notifications to your phone about your account and your data, if you allow themPerformance of a contract (point (b))
Making your data available to an external AI assistant you choose to connect (section 9.2)Performance of a contract, at your request (point (b))
Issuing invoices and complying with other legal obligationsLegal obligation (point (c))
Protecting the Service and accounts, preventing fraud and abuse and diagnosing errorsLegitimate interest in keeping the Service secure and working (point (f))
Analysing how the Service is used, linked to your account, to improve itLegitimate interest in improving the Service (point (f))
Responding to support requestsLegitimate interest in responding to those who contact us (point (f))
Sending news and offers about guito by email to people who have or had a paid planLegitimate interest in making the Service known to those who bought it (point (f))
Sending news and offers about guito by email to people who never had a paid plan, if they ask for themConsent (point (a))
Analysing usage with cookies or on-device identifiers, and recording sessions (section 7.2)Consent (point (a))
Measuring and optimising our advertising campaigns and showing guito ads to people who have visited the website (section 7.3)Consent (point (a))

In the emails we send, except those for creating an account, signing in without a password, recovering your password and changing your email address, and the notices of changes to your sign-in details, links go through the address links.guito.pt, which lets us know, linked to your account, which link you opened and the type of device, so that we can measure how useful the emails are. We do not use pixels to find out whether an email was opened.

Notifications on your phone are only sent if you allow them on the phone itself. They never show amounts or the name of a bank or broker. You can turn them off in your phone's settings or, one by one, in Settings, Notifications, in the app.

4. Recipients

We use processors that handle data on our behalf, only on our instructions and bound by contract to protect it, in the following categories:

  • hosting and data storage;
  • artificial intelligence (assistant, transaction categorisation, document extraction and web search to identify merchants);
  • connection to bank accounts, through an authorised account information service provider;
  • payments and invoicing;
  • email delivery;
  • delivery of notifications to your phone;
  • technical monitoring, usage analytics and internal team communication.

We also disclose data:

  • to Google and Meta, only with your advertising consent (section 7.3);
  • to an external AI assistant you choose to connect (section 9.2);
  • to public authorities, where the law requires it;
  • to a successor in a merger, acquisition or restructuring, which will be bound by this Policy.

We do not sell your personal data.

5. Transfers outside the European Economic Area

The Service's database is hosted in the European Union. Some processors handle data outside the European Economic Area, including in the United States. Those transfers rely on a European Commission adequacy decision, including the EU-US Data Privacy Framework where the recipient is certified, or on the standard contractual clauses approved by the European Commission. You may request a copy of these safeguards at support@guito.app.

6. Retention

DataPeriod
Account and financial dataWhile the account exists. After a deletion request, deleted after 7 days, during which you may cancel the request
Documents uploaded for importAbout 30 days after upload
Your data export file3 days after it is generated
Invoices and records relevant for tax purposes10 years, as required by law
Support requestsAs long as needed to resolve them and to comply with legal obligations
Session recordings30 days (usage analytics tool) or 90 days (technical monitoring tool)
Device notification tokenUntil you sign out on that device, until the notification service reports the device no longer receives them (for example, after you uninstall the app), or 200 days after the app last renewed it
Usage analytics and advertising dataAccording to the respective providers' retention periods. Data that depends on consent stops being collected when you withdraw it

After these periods, the data is deleted or anonymised.

7. Cookies and similar technologies

7.1. Strictly necessary

We use strictly necessary cookies and local storage to sign you in and keep you signed in, protect your account, save your preferences and record your consent choices. They are exempt from consent (Article 5(2) of Portuguese Law No. 41/2004 of 18 August).

7.2. Usage analytics and session recordings (with consent)

With your consent, we use usage analytics tools which, on the website, store cookies and local storage data on the guito.pt and guito.app domains and, in the mobile apps, an installation identifier. The data collected is linked to your account while you are signed in and is not used to follow you across other websites or apps.

With that consent, we may also record sessions, that is, reconstructions of the screen structure, clicks or taps and navigation, solely to diagnose errors and usability problems. Recordings are linked to your account. We apply measures to hide amounts, balances, names, transaction descriptions, IBANs and data entered in fields before collecting recordings. In the mobile apps, these measures cover all text and images. On the website, hiding may be incomplete: a name or an amount written in the middle of a text, or search terms and filters in a page address, may remain visible.

7.3. Advertising (with consent)

With your advertising consent, we use Google's (Google Ads) and Meta's (Meta Pixel) advertising technologies to measure and optimise our campaigns and to show guito ads to people who have visited the website. These technologies store cookies on your device. When you sign up or subscribe to a plan, Meta also receives your email address, name and account identifier in hashed (pseudonymised) form, your IP address and your browser type, to attribute that action to an ad. Google and Meta also process this data for their own purposes, as controllers, under their respective privacy policies.

7.4. Duration

CategoryWho has accessMaximum duration
Strictly necessaryguito400 days
Usage analyticsguito and the analytics provider, on our behalf1 year
AdvertisingGoogle and Meta13 months

7.5. Managing your choices

You may give or withdraw consent at any time, without affecting how the Service works: on the website, under "Manage cookies" in the footer; in the mobile apps, under Profile, Settings, Privacy.

8. Your rights

Under Articles 15 to 22 GDPR, you have the right to:

  • access your data and obtain a copy;
  • rectify inaccurate or incomplete data;
  • request erasure of your data;
  • request restriction of processing;
  • receive the data you provided to us in a structured, commonly used and machine-readable format, and transmit it to another controller (portability);
  • withdraw consent at any time, without affecting the lawfulness of prior processing.

Right to object: you may object at any time, on grounds relating to your particular situation, to processing based on our legitimate interest. You may object to receiving news and offers by email, or withdraw your consent to them, without giving any reason, through the link in every email or in your notification settings.

You can export your data and delete your account directly in the app (instructions at docs.guito.app/en/account/delete-account). For any other request, or if you cannot sign in, write to support@guito.app from your account's email address. We respond within one month, extendable by two further months for complex requests, in which case we will tell you.

You also have the right to lodge a complaint with the Portuguese data protection authority, the Comissão Nacional de Proteção de Dados (www.cnpd.pt), or with the supervisory authority of the EU Member State where you live, work or where the alleged infringement took place.

9. Artificial intelligence

9.1. guito's AI features

The assistant, transaction categorisation and document import use AI models from providers acting as our processors. These providers process the data only to generate the response and do not use it to train their models. Your conversation history with the assistant is stored in your account. You can review and correct the AI's suggestions at any time.

We do not make decisions based solely on automated processing that produce legal effects concerning you or similarly significantly affect you (Article 22 GDPR).

9.2. External AI assistants you connect

You may connect an external AI assistant of your choice (for example, Claude or ChatGPT) to your account. While the connection is active:

  • the assistant may read and record account, balance, transaction, investment, goal, loan, property and recurring-payment data to respond to your requests. Write tools are marked so the assistant can request approval; that step depends on the client and the permissions you configure. When the client calls the tool, guito saves the change without a second confirmation;
  • the data the assistant receives is then processed by its provider, as a controller and under its own privacy policy. That provider may be established outside the European Economic Area and may use the data to train models. guito does not control that processing;
  • the assistant never receives your guito password, only an authorisation limited to your account;
  • we log the actions taken through the assistant (what and when), for security purposes.

You may revoke the connection at any time in your account settings, which ends the access immediately. Revoking it does not delete the data the provider has already received; to have it deleted, contact that provider.

10. Security

We apply technical and organisational measures appropriate to the risk, including encryption of data in transit and at rest and restricted access to data. The mobile app lock with Face ID, Touch ID or other biometrics is verified by the device's operating system: guito receives only the result and does not process biometric data.

11. Minors

The Service is intended for people aged 16 or over. We do not knowingly collect data from children under 16. If you learn that this has happened, contact us at support@guito.app and we will delete that data.

12. Changes

We may change this Policy. The version in force is always on this page, with the date of its last revision. We notify registered users by email of significant changes before they take effect.

Last revision: October 14, 2026

Accounts, investments, loans and net worth in one place.

Product

  • Bank accounts
  • Portfolio and markets
  • Loans
  • Transactions
  • AI agent
  • Supported banks
  • Pricing

Company

  • About
  • Press kit
  • News
  • Safety and security
  • Documentation
  • Contact

Legal

  • Terms and conditions
  • Privacy policy
  • Official complaints portal (Portugal)
  • Delete account

guito is not a financial adviser and does not provide investment advice. The information, the calculators and the AI agent's answers are for information and education only. They are not financial, tax or legal advice, nor a recommendation to buy or sell any financial product. Before making a financial decision, consider your own situation and, where appropriate, speak to a qualified professional. Any company, bank or financial product mentioned or shown is there only to demonstrate how guito works and is not a recommendation. Past performance is not a guarantee of future results.

Trading 212, Interactive Brokers, ChatGPT and Claude are trademarks of their respective owners. They are used here only to identify the brokers and assistants guito supports, and imply no association or endorsement. Apple and App Store are trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. The figures shown are illustrative. The names and logos of the other institutions shown belong to their respective owners.

guito is a service of Guito Labs, Unipessoal Lda. Tax ID 518 823 830.

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