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OOO ,MITNAS connects to your bank accounts via secure, read-only API links. Our AI model analyzes your transaction history to automatically categorize spending (groceries, utilities, entertainment, etc.), identify recurring charges, detect unusual patterns, and build a comprehensive picture of your financial habits. The AI learns from your data over time, making its insights increasingly accurate and personalized. All analysis happens on encrypted data — your raw account credentials are never stored.

Security is our top priority. All data in transit is protected with TLS 1.3 encryption, and data at rest uses AES-256 encryption. We use read-only OAuth tokens to connect to your bank — meaning we can view transaction data but can never move money or modify your accounts. We do not store your banking passwords. Our infrastructure undergoes regular third-party security audits, and we comply with Russian Federal Law No. 152-FZ on personal data protection.

No. OOO ,MITNAS has strictly read-only access to your financial accounts. We can see transaction history, balances, and account information that you authorize us to view, but we have no ability to initiate transfers, make payments, or modify anything in your bank account. This is a fundamental security design principle — OOO ,MITNAS is a financial intelligence layer, not a financial execution layer.

OOO ,MITNAS's recommendations are data-driven and based on your actual spending patterns, income trends, and stated financial goals. The accuracy improves significantly over the first 30–90 days as the AI builds a better model of your habits. However, AI recommendations are informational tools, not guaranteed financial advice. We always recommend consulting a qualified financial professional for major decisions like investments, mortgages, or retirement planning. OOO ,MITNAS is designed to complement, not replace, professional financial guidance.

You can disconnect any linked bank account at any time from your account settings — this immediately revokes our access to that account. To delete your entire account and personal data, contact us at yona@santim.space with the subject line "Account Deletion Request". We will process your request within 30 days. Note that certain financial records may be retained for up to 5 years to comply with Russian financial record-keeping regulations, as described in our Privacy Policy.