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Security & Compliance

Last updated: November 25, 2025

At FinioAI, security is fundamental to everything we do. We implement enterprise-grade security measures to protect your financial data and ensure regulatory compliance while maintaining the highest standards of operational security and data protection.

1. Security Architecture

Our security architecture is designed with defense-in-depth principles, implementing multiple layers of protection to safeguard your financial data and treasury operations.

Infrastructure Security

  • • Cloud Security: AWS/Azure enterprise infrastructure with SOC 2 Type II compliance
  • • Network Segmentation: Isolated network zones with zero-trust architecture
  • • Firewall Protection: Next-generation firewalls with intrusion detection and prevention
  • • DDoS Mitigation: Advanced threat protection against distributed denial-of-service attacks
  • • Load Balancing: Distributed load balancing with automatic failover capabilities
  • • Geographic Distribution: Multi-region deployment for resilience and performance

Application Security

  • • Secure Development: OWASP-compliant development practices and security reviews
  • • Code Analysis: Static and dynamic application security testing (SAST/DAST)
  • • Dependency Management: Automated vulnerability scanning of third-party libraries
  • • API Security: OAuth 2.0, rate limiting, and API gateway protection
  • • Input Validation: Comprehensive data validation and sanitization
  • • Security Headers: Implementation of security headers and content security policies

Data Security

  • • Encryption at Rest: AES-256 encryption for all stored financial data
  • • Encryption in Transit: TLS 1.3 for all data transmission and API communications
  • • Key Management: Hardware Security Modules (HSM) for encryption key protection
  • • Data Classification: Automated classification and handling of sensitive data
  • • Data Tokenization: Replacement of sensitive data with non-sensitive tokens
  • • Database Security: Encrypted databases with column-level security controls

Monitoring & Detection

  • • 24/7 Monitoring: Continuous security monitoring and alerting systems
  • • SIEM Integration: Security Information and Event Management with real-time analysis
  • • Threat Intelligence: Integration with global threat intelligence feeds
  • • Anomaly Detection: Machine learning-based behavioral analysis and threat detection
  • • Log Management: Centralized logging with tamper-evident audit trails
  • • Incident Response: Automated incident detection and response workflows

2. Access Controls & Authentication

We implement comprehensive access control mechanisms to ensure that only authorized users can access financial data and platform features, with granular permissions and continuous monitoring.

Multi-Factor Authentication

  • • Mandatory MFA: Required for all user accounts and administrative access
  • • Multiple Methods: SMS, authenticator apps, hardware tokens, and biometric options
  • • Adaptive Authentication: Risk-based authentication based on user behavior and location
  • • Session Management: Secure session handling with automatic timeout and re-authentication
  • • Device Trust: Device registration and trust management for known devices
  • • Emergency Access: Secure emergency access procedures with additional verification

Role-Based Access Control (RBAC)

  • • Principle of Least Privilege: Users receive minimum necessary access rights
  • • Granular Permissions: Fine-grained control over feature and data access
  • • Role Hierarchies: Structured role definitions with inheritance and delegation
  • • Temporary Access: Time-limited access grants for specific tasks or projects
  • • Segregation of Duties: Separation of critical functions to prevent unauthorized actions
  • • Regular Reviews: Periodic access reviews and certification processes

Administrative Controls

  • • Privileged Access Management: Secure management of administrative accounts
  • • Just-in-Time Access: Temporary elevation of privileges for specific tasks
  • • Password Policies: Strong password requirements and regular rotation
  • • Account Lockout: Automatic lockout after failed login attempts
  • • IP Whitelisting: Restriction of access to approved IP addresses and locations
  • • Activity Monitoring: Real-time monitoring of user activities and access patterns

Single Sign-On (SSO) Integration

  • • Enterprise SSO: Integration with SAML 2.0 and OpenID Connect
  • • Identity Provider Support: Compatible with major identity providers (Azure AD, Okta, etc.)
  • • Federated Identity: Support for federated identity management and trust relationships
  • • Automated Provisioning: Just-in-time user provisioning and de-provisioning
  • • Directory Integration: Integration with Active Directory and LDAP systems

3. Compliance & Certifications

We maintain rigorous compliance with industry standards and regulations, undergoing regular audits and certifications to ensure the highest levels of security and data protection.

Industry Certifications

  • • SOC 2 Type II: Annual audits for security, availability, and confidentiality
  • • ISO 27001: Information security management system certification
  • • PCI DSS: Payment Card Industry Data Security Standard compliance
  • • ISO 27017: Cloud security controls and implementation guidance
  • • ISO 27018: Protection of personally identifiable information in cloud environments
  • • CSA STAR: Cloud Security Alliance Security, Trust & Assurance Registry

Financial Regulations

  • • RBI Guidelines: Compliance with Reserve Bank of India cybersecurity framework
  • • SEBI Regulations: Securities and Exchange Board of India data protection requirements
  • • GDPR Compliance: European General Data Protection Regulation adherence
  • • CCPA Compliance: California Consumer Privacy Act requirements
  • • Data Localization: Compliance with local data residency requirements
  • • AML/KYC: Anti-Money Laundering and Know Your Customer procedures

Audit & Assessment

  • • External Audits: Annual third-party security assessments and compliance audits
  • • Penetration Testing: Quarterly penetration testing by certified security firms
  • • Vulnerability Assessments: Regular vulnerability scanning and remediation
  • • Code Reviews: Security code reviews and static analysis for all applications
  • • Risk Assessments: Comprehensive risk assessments and threat modeling
  • • Compliance Monitoring: Continuous monitoring of regulatory compliance status

Documentation & Reporting

  • • Security Policies: Comprehensive information security policies and procedures
  • • Audit Reports: Detailed audit reports and compliance documentation
  • • Incident Reports: Documented incident response and remediation activities
  • • Risk Register: Maintained risk register with mitigation strategies
  • • Compliance Dashboard: Real-time compliance monitoring and reporting

4. Data Protection & Privacy

We implement comprehensive data protection measures to ensure the confidentiality, integrity, and availability of your financial data throughout its entire lifecycle.

Data Classification & Handling

  • • Data Classification: Automated classification of data based on sensitivity and regulatory requirements
  • • Handling Procedures: Specific handling procedures for different data classification levels
  • • Data Labeling: Metadata labeling for automated policy enforcement
  • • Access Controls: Classification-based access controls and data loss prevention
  • • Retention Policies: Automated data retention and disposal based on classification
  • • Cross-Border Transfers: Secure cross-border data transfer with appropriate safeguards

Privacy by Design

  • • Data Minimization: Collection and processing of only necessary data
  • • Purpose Limitation: Data used only for specified, legitimate purposes
  • • Storage Limitation: Data retained only for necessary periods
  • • Accuracy: Measures to ensure data accuracy and up-to-date information
  • • Transparency: Clear communication about data processing activities
  • • Accountability: Demonstrable compliance with data protection principles

Data Rights Management

  • • Right to Access: Comprehensive data access and portability tools
  • • Right to Rectification: Data correction and update mechanisms
  • • Right to Erasure: Secure data deletion and right to be forgotten
  • • Right to Restriction: Processing restriction and objection handling
  • • Consent Management: Granular consent management and withdrawal mechanisms
  • • Privacy Dashboard: User-friendly privacy dashboard for rights management

Data Backup & Recovery

  • • Encrypted Backups: All backups encrypted with separate encryption keys
  • • Geographic Distribution: Geographically distributed backup storage
  • • Regular Testing: Regular backup and recovery testing procedures
  • • Point-in-Time Recovery: Granular point-in-time recovery capabilities
  • • Disaster Recovery: Comprehensive disaster recovery and business continuity plans
  • • RTO/RPO Targets: Defined Recovery Time and Recovery Point Objectives

5. Incident Response & Security Operations

Our dedicated security operations team maintains 24/7 monitoring and incident response capabilities to detect, respond to, and remediate security incidents quickly and effectively.

Security Operations Center (SOC)

  • • 24/7 Monitoring: Round-the-clock security monitoring and threat detection
  • • Expert Team: Certified security professionals with financial services expertise
  • • Threat Hunting: Proactive threat hunting and advanced persistent threat detection
  • • Security Analytics: Advanced analytics and machine learning for threat detection
  • • Incident Correlation: Automated incident correlation and alert prioritization
  • • Threat Intelligence: Integration with global threat intelligence feeds and indicators

Incident Response Process

  • • Detection & Analysis: Rapid detection and initial analysis of security incidents
  • • Containment: Immediate containment to prevent incident escalation
  • • Investigation: Thorough investigation using digital forensics techniques
  • • Eradication: Complete removal of threats and security vulnerabilities
  • • Recovery: Secure restoration of systems and services
  • • Lessons Learned: Post-incident review and security improvements

Communication & Notification

  • • Customer Notification: Timely notification to affected customers within 24 hours
  • • Regulatory Reporting: Compliance with regulatory incident reporting requirements
  • • Stakeholder Communication: Clear communication to internal and external stakeholders
  • • Media Relations: Coordinated media response and public communications
  • • Status Updates: Regular status updates throughout incident resolution
  • • Incident Reports: Detailed incident reports and remediation summaries

Business Continuity

  • • Continuity Planning: Comprehensive business continuity and disaster recovery plans
  • • Failover Procedures: Automated failover to backup systems and data centers
  • • Service Restoration: Prioritized service restoration based on business impact
  • • Communication Plans: Crisis communication plans for various incident scenarios
  • • Regular Testing: Regular testing of business continuity and disaster recovery procedures

6. Third-Party Security

We maintain strict security standards for all third-party vendors and partners, ensuring that our extended ecosystem maintains the same high levels of security and compliance.

Vendor Risk Management

  • • Due Diligence: Comprehensive security assessments before vendor onboarding
  • • Risk Classification: Classification of vendors based on risk and data access
  • • Security Requirements: Mandatory security requirements and contractual obligations
  • • Regular Reviews: Ongoing security reviews and vendor performance monitoring
  • • Incident Management: Coordinated incident response with vendor security teams
  • • Contract Management: Security clauses and liability provisions in vendor contracts

API Security

  • • Authentication: Strong API authentication using OAuth 2.0 and API keys
  • • Authorization: Granular API authorization and scope-based access control
  • • Rate Limiting: API rate limiting and throttling to prevent abuse
  • • Monitoring: Real-time API monitoring and anomaly detection
  • • Encryption: End-to-end encryption for all API communications
  • • Documentation: Comprehensive API security documentation and guidelines

Cloud Security

  • • Provider Selection: Use of tier-1 cloud providers with strong security certifications
  • • Shared Responsibility: Clear understanding and implementation of shared responsibility model
  • • Configuration Management: Secure configuration and hardening of cloud resources
  • • Identity Management: Cloud-native identity and access management integration
  • • Monitoring: Cloud security posture monitoring and compliance checking
  • • Data Residency: Control over data location and cross-border transfers

Supply Chain Security

  • • Software Supply Chain: Security of software development and deployment pipeline
  • • Dependency Management: Regular security scanning of third-party dependencies
  • • Code Signing: Digital signing of software releases and updates
  • • Vendor Monitoring: Continuous monitoring of vendor security posture
  • • Contingency Planning: Contingency plans for vendor security incidents or failures

7. Security Awareness & Training

We believe that security is everyone's responsibility and invest heavily in security awareness training for both our team and our customers to create a security-conscious culture.

Employee Training Program

  • • Onboarding Training: Comprehensive security training for all new employees
  • • Regular Updates: Monthly security awareness updates and training sessions
  • • Phishing Simulation: Regular phishing simulation and awareness testing
  • • Role-Specific Training: Specialized training based on job functions and access levels
  • • Incident Training: Training on incident reporting and response procedures
  • • Certification Programs: Security certification programs for technical staff

Customer Security Education

  • • Security Guidelines: Comprehensive security best practices documentation
  • • Training Materials: Security awareness training materials and resources
  • • Webinars: Regular security webinars and educational sessions
  • • Threat Alerts: Timely threat intelligence and security alerts
  • • Security Dashboard: Customer security dashboard with guidance and recommendations
  • • Support Resources: Dedicated security support and consultation

Security Culture

  • • Security Champions: Security champion program with trained advocates across teams
  • • Reporting Culture: Encouraging and rewarding security incident reporting
  • • Continuous Improvement: Regular security culture assessments and improvements
  • • Leadership Commitment: Strong leadership commitment to security culture
  • • Recognition Programs: Recognition and incentive programs for security excellence

8. Transparency & Reporting

We maintain transparency about our security practices and provide regular reporting to help you understand our security posture and make informed decisions about your data protection.

Security Reports & Documentation

  • • SOC 2 Reports: Annual SOC 2 Type II reports available to customers
  • • Penetration Test Reports: Executive summaries of penetration testing results
  • • Compliance Certificates: Current compliance certificates and attestations
  • • Security Questionnaires: Standardized security questionnaire responses
  • • Incident Reports: Public disclosure of significant security incidents
  • • Vulnerability Disclosure: Responsible vulnerability disclosure program

Customer Security Dashboard

  • • Security Metrics: Real-time security metrics and key performance indicators
  • • Incident Status: Current status of security incidents and investigations
  • • Compliance Status: Current compliance status and certification details
  • • Security Recommendations: Personalized security recommendations and best practices
  • • Audit Trail: Detailed audit trail and access logs for your account

Bug Bounty Program

  • • Responsible Disclosure: Formal bug bounty program for security researchers
  • • Reward Structure: Competitive rewards for valid security vulnerability reports
  • • Clear Guidelines: Clear guidelines and scope for security research
  • • Response Times: Committed response times for vulnerability reports
  • • Hall of Fame: Recognition for security researchers who help improve our security

Communication Channels

  • • Security Advisory: Regular security advisories and threat intelligence
  • • Incident Notifications: Prompt notifications of security incidents affecting customers
  • • Security Blog: Regular blog posts about security topics and best practices
  • • Customer Forums: Dedicated security forums for customer discussions
  • • Direct Contact: Direct contact channels for security-related inquiries

9. Contact Information

If you have security-related questions, need to report a vulnerability, or require additional security documentation, please contact our security team using the channels below.

Security Contact Information

Security Team:
Vulnerability Reports:
Incident Reports:
Compliance Inquiries:
General Support:

Emergency Contact

  • • 24/7 Security Hotline: Available for critical security incidents
  • • Incident Response Team: Direct access to incident response team
  • • Escalation Procedures: Clear escalation procedures for urgent security matters
  • • Response Times: Guaranteed response times for critical security issues

Additional Resources

  • • Security Documentation: Comprehensive security documentation portal
  • • Compliance Portal: Access to compliance certificates and reports
  • • Security Blog: Regular updates on security topics and best practices
  • • Training Materials: Security awareness and training resources
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