Security

Bank-grade. UK-hosted. DPA-ready.

Finio holds real money and real ledgers. Security isn't a pillar on the marketing page — it's the ground floor. Here's the detail your FD will ask for.

Compliance

What we're certified — and what's next.

GDPR

Fully compliant. UK DPA 2018 aligned. DPA available on request.

SOC 2

Type II in progress with Vanta. Type I attest available now.

ISO 27001

Aligned. Certification underway.

Xero App Store

Certified integration, reviewed annually.

Data security

The controls, plainly listed.

Encryption in transit & at rest

TLS 1.3 for every request. AES-256 at rest with per-tenant keys.

SSO & MFA

Google, Microsoft, Okta SAML. MFA enforced on all admin accounts.

Granular roles

Six role tiers out of the box. Custom roles on Estate. Least-privilege by default.

Immutable audit log

Every keystroke, approval and posting recorded. Exportable to your SIEM.

IP whitelisting

Restrict access by IP range or country. On Estate and Enterprise plans.

Least-privilege API

Xero connection uses read/write only where required. Revocable in one click.

Permissions

Roles the way your group actually operates.

Six roles preconfigured — GM, FC, FD, AP clerk, accountant, view-only. Custom roles for anything else. Every action scoped by entity.

  • Entity-level scoping — a GM at one site cannot see another site.
  • Approval-tier separation — approvers cannot self-approve.
  • Read-only accountant seats, free and unlimited.
  • Session timeouts and forced re-auth on privileged actions.
  • Full impersonation audit log for support access.

Infrastructure

Where your data lives.

London (UK-South)

Primary region. AWS eu-west-2.

Dublin

Warm secondary. Automated failover under 5 minutes.

Frankfurt

Cold backup, encrypted, retained 30 days.

Your data never leaves the UK/EU. No US sub-processors.

Security review

Need the full security pack?

DPA, sub-processor list, pen-test report — sent to your FD in one email.