How Enhance Finance protects your data and respects your privacy.
Last updated: March 5, 2026Enhance Finance ("we," "our," or "us") is a personal finance tracking system built as a Google Sheets template. This Privacy Policy describes how we collect, use, and protect information when you use our product.
Enhance Finance operates entirely within Google Sheets using Google Apps Script. The product provides automated transaction importing, rule-based categorization, dashboards, yearly budgeting, and optional AI-powered features that utilize the Anthropic Claude API. By using Enhance Finance, you agree to the practices described in this Privacy Policy.
This policy applies to the Enhance Finance Google Sheets template, the AI-powered features accessed through the template, our website (enhancefinance.ca), and any related services.
Enhance Finance uses Google Apps Script to automate personal finance tracking within your own Google Sheet. All of the following operations happen entirely within your Google account — no data leaves your spreadsheet during these processes.
| Feature | What It Does |
|---|---|
| Process Transactions | Reads bank statement data you paste into the "Input Statements" tab, automatically detects dates, descriptions, and amounts across any bank format, and writes parsed transactions to the "Transactions" tab. Handles multiple date formats, debit/credit indicators, and currency symbols. Merges with existing transactions and sorts by date. Clears the input area after import. |
| Log Transactions | Moves fully categorized transactions (those with both a category and merchant assigned) from the "Transactions" tab to permanent storage in the "Raw Data (DON'T TOUCH)" tab. Simultaneously saves categorization rules so the system can auto-match similar transactions in the future, and adds new merchant names to the master merchant list. Transactions marked as "Exclude" are removed and a rule is saved to auto-exclude them in the future. |
| Auto Categorize | Reads your previously saved categorization rules and applies them to new uncategorized transactions using pattern matching. Matches transaction descriptions against known patterns and fills in the category and merchant fields automatically. No data leaves the spreadsheet. |
| Delete All Transactions | Clears all logged transaction data from the "Raw Data" tab. Requires two-step confirmation — a Yes/No dialog followed by typing the word "DELETE" — to prevent accidental data loss. Only clears values; formatting, borders, and data validation are preserved. |
| Dashboards & Budgets | Monthly dashboards, category breakdowns, merchant insights, and the yearly budget are all powered by built-in Google Sheets formulas (SUMPRODUCT, SUMIFS, COUNTIFS, etc.) that reference your transaction data. These formulas run natively in Google Sheets with no script involvement and no external connections. |
The ✦ Enhance Finance menu in Google Sheets includes an "AI License" submenu with the following options:
| Menu Item | What It Does |
|---|---|
| 🔑 Enter License Key | Prompts you to paste your license key, validates it against our server via HTTPS, then presents the AI disclaimer form for your digital signature. On acceptance, the key is stored locally in your Google account's UserProperties, the acceptance record is logged to our server and emailed to you as a confirmation receipt. |
| 🔍 Check License Key Status | Checks your locally stored license key against our server to confirm it is still valid and active. Displays the masked key, server status, expiry date, and days remaining. No financial data is sent — only the license key. |
| 🗑️ Remove License Key | Removes your license key and local disclaimer record from your Google account's UserProperties. Requires confirmation before proceeding. AI features will stop working until a new key is re-entered. This only removes the local copies on your device — your acceptance record is permanently retained on our server and in the confirmation email sent to both you and Enhance Finance at the time of acceptance. Re-entering the same key will require re-accepting the disclaimer. |
The following features are optional, require a paid license key and explicit disclaimer acceptance, and send specific data to the Anthropic Claude AI API via our secure proxy server. See Section 5: AI Data Processing for full details on exactly what data is sent by each feature.
You can use all core features of Enhance Finance without ever activating AI features.
Session.getActiveUser().getEmail()) for the purpose of sending acceptance confirmation emails and logging your disclaimer acceptance.Enhance Finance uses Google OAuth 2.0 to authorize Google Apps Script to operate within your Google Sheet. This is required for the built-in automation features (transaction importing, categorization, dashboards, and AI features) to function.
| Scope | Purpose |
|---|---|
spreadsheets.currentonly |
Read and write data within the active Enhance Finance spreadsheet only. Specifically used for: (a) importing bank statement data from the "Input Statements" tab by parsing dates, descriptions, and amounts (Process Transactions feature); (b) writing parsed transactions to the "Transactions" tab; (c) moving categorized transactions to the "Raw Data" tab for permanent storage; (d) reading and writing categorization rules for auto-matching; (e) managing the master merchant list; (f) clearing transaction data when the user explicitly requests deletion; (g) reading financial summary data, merchant statistics, and budget data when the user triggers AI features (see Section 5); (h) applying data validation rules for category and merchant dropdown menus. All operations occur within a single spreadsheet — the script cannot access any other files in your Google Drive. |
script.external_request |
Make HTTPS requests to our secure proxy server, which routes AI requests to the Anthropic Claude API and handles license key validation. |
userinfo.email |
Retrieve your Google account email address for sending the AI disclaimer acceptance confirmation email and logging the acceptance record. |
script.send_mail |
Send a one-time confirmation email to your Google account when you accept the AI features disclaimer. No other emails are sent by the product. |
Enhance Finance's use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements. Specifically:
If you use AI-powered features, specific data from your Google Sheet is sent to the Anthropic Claude API via our secure proxy server for processing. Each AI feature sends only the data it needs — nothing more. All data is transmitted via encrypted HTTPS connections.
| AI Feature | Data Sent to AI | Data NOT Sent |
|---|---|---|
| AI Transaction Sorting | Transaction descriptions (the raw text from your bank statement, e.g., "AMAZON.CA", "SKIP THE DISHES"), transaction amounts, and your existing category/merchant lists for matching. Note: some banks embed partial account numbers, reference codes, or other identifiers within transaction descriptions — these would be included in the text sent for processing. | Your name, email, Google account information, account balances, or any data outside the transaction description and amount fields |
| Dashboard Insights | Aggregated summary data: total income, total fixed expenses, total discretionary spending, remaining/overspent amount, and their percentages of income for the selected month or year | Individual transaction details, merchant names, account numbers, or personal identifiers |
| Merchant Insights | A single merchant name, date ranges, and aggregated merchant statistics: total spent, number of purchases, average transaction size, monthly spending breakdown | Individual transaction details, other merchants, account numbers, or personal identifiers |
| Annual Budget Review | Budget category names and their annual/monthly amounts, income sources and amounts, expense percentages, savings amounts — all as aggregated totals, not individual transactions | Individual transactions, account numbers, bank names, or personal identifiers |
When you trigger an AI feature, the following occurs:
Neither Enhance Finance nor Anthropic stores your financial data after processing is complete. The data exists in transit only for the duration of the API request.
Anthropic's data handling practices are governed by their own Privacy Policy and Terms of Service. When using the Anthropic API, data sent via the API is not used to train Anthropic's models.
Your license key is stored locally in your Google account using Google Apps Script's UserProperties service. This data is private to your Google account — we cannot access it remotely. The license key is sent to our server only when:
When you accept the AI features disclaimer, the following information is logged as a legal record:
This record is:
This acceptance record is retained as a legal record of consent and may be required for regulatory or dispute resolution purposes.
Our website is hosted on Cloudflare Pages. We do not use first-party tracking cookies on our website. Cloudflare may set essential security cookies (such as __cflb and __cf_bm) as part of its standard web security and performance services. These cookies are necessary for the operation of the website and cannot be disabled.
We may use third-party tracking technologies on our website and Etsy product listings for the purpose of measuring advertising performance and understanding how visitors interact with our site. These may include:
We will only activate these tracking technologies with appropriate notice. When tracking pixels are active, they may collect information such as your IP address, browser type, pages visited, and actions taken on our website. This data is used solely to measure and optimize our advertising — we do not use it to build individual profiles or make decisions about you.
You can limit or prevent tracking by:
The Enhance Finance Google Sheets template does not use cookies, tracking pixels, or any advertising technology. No analytics or advertising data is collected within the spreadsheet product itself.
The limited information we collect is used solely for the following purposes:
We do not use your information for advertising, marketing to third parties, profiling, automated decision-making, or any purpose other than providing and operating the Enhance Finance product.
We do not sell, rent, lease, or trade your personal information or Google user data to any third party, under any circumstances.
We share data only with the following service providers, solely as needed to operate the product:
| Service Provider | Data Shared | Purpose |
|---|---|---|
| Anthropic (Claude AI) | Transaction descriptions, transaction amounts, aggregated spending summaries, merchant statistics, and budget category data (as described in Section 5) | AI-powered transaction categorization, spending analysis, merchant analysis, and budget review. Data is transmitted via secure HTTPS and is not retained after processing. Anthropic does not use API data for model training. |
| Cloudflare | License keys, AI request data (in transit), acceptance records (legal name, order number, email, masked key, timestamp, server IP address, user agent), website visitor data (IP addresses, request logs as part of standard web hosting) | Hosts our secure proxy server (Cloudflare Workers) that validates license keys and routes AI requests. Also stores acceptance records in Cloudflare D1 database and KV storage for license management. Hosts our website (enhancefinance.ca) via Cloudflare Pages. Cloudflare may collect standard web server logs and set essential security cookies as part of its hosting and security services. |
| Meta (Facebook/Instagram) | Website visit data, page views, conversion events, IP address, browser information (only if Meta Pixel is enabled) | Advertising measurement and optimization. If enabled, the Meta Pixel tracks website visits to help us measure the effectiveness of our advertising on Meta platforms. You can opt out through your Facebook Ad Preferences. Meta's own Privacy Policy governs their use of this data. |
| Etsy | Payment and order information (handled entirely by Etsy) | Payment processing for purchases. Etsy's own privacy policy governs the data they collect during checkout. We do not receive or store your payment information. |
| Spreadsheet data (within your own account), email address (for sending acceptance confirmation) | Enhance Finance operates within Google Sheets using Google Apps Script. Google's own privacy policies govern how they handle data within their services. |
We do not use Google user data to develop, improve, or train generalized or non-personalized AI/ML models.
Your financial data is stored exclusively within your own Google account, protected by Google's enterprise-grade security infrastructure, including encryption at rest and in transit.
| Data Type | Storage Location | Access |
|---|---|---|
| All financial data (transactions, budgets, dashboards) | Your Google Sheet (your Google account) | Only you. We have zero access. |
| License key, disclaimer acceptance record | Google Apps Script UserProperties (your Google account) | Only you. We have zero access. |
| License key (for validation), acceptance records | Cloudflare Workers (D1 database, KV storage) | Enhance Finance administrators only, for license management and legal compliance. |
| AI request/response data | Not stored — exists only in transit during processing | N/A — not retained |
| Email list subscribers | Google Sheets (private spreadsheet in our Google account) | Enhance Finance administrators only, for email marketing purposes. |
No method of electronic transmission or storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security. However, the architecture of Enhance Finance — where your data lives in your own Google account — means there is minimal data for us to protect in the first place.
Enhance Finance is operated from Canada. However, some of your personal information may be processed or stored in jurisdictions outside of Canada, including the United States, as part of the services we use to operate the product:
When your personal information is transferred outside of Canada, it may be subject to the laws of those jurisdictions, which may differ from Canadian privacy laws. We take reasonable steps to ensure that any service providers we work with maintain appropriate safeguards for the protection of your personal information. By using Enhance Finance, you consent to the transfer of your information to these jurisdictions as described in this Privacy Policy.
You may request the deletion of any personal information we hold by contacting us at the email address listed below. Since your financial data lives in your own Google Sheet, you can delete it at any time by simply deleting the spreadsheet from your Google Drive. You can remove your locally stored license key at any time via the ✦ Enhance Finance → AI License → Remove License Key menu option.
You have the right to:
To exercise any of these rights, please contact us using the information in Section 17 below.
Enhance Finance is not intended for use by children under the age of 13 (or under the age of digital consent in your jurisdiction). We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete that information promptly.
This Privacy Policy is governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and Canada's Anti-Spam Legislation (CASL). Any disputes arising from this Privacy Policy or your use of Enhance Finance shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario.
We may update this Privacy Policy from time to time. When we make changes, we will update the "Last updated" date at the top of this page. If we make material changes to how we handle your data, we will notify you by email (if we have your email address) or by posting a prominent notice on our website prior to the changes taking effect.
We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your data.
If you have any questions about this Privacy Policy, your data, or your rights, please contact us: