Finulio builds a transparency-first market observability layer for consumer finance: comparable data, clear methodology, and a corrections-first approach.

We operate with a strict separation between:

• Public Layer (B2C) — independent, user-first comparisons and explainers
• Data Layer (B2B/B2G) — validated datasets, change monitoring, and research-grade signals

We do not provide legal, tax, or regulated compliance advice. We provide research-grade signals and evidence-based readiness reviews (non-certification). We do not issue financial products and we do not provide financial advice. Our role is research, monitoring, and transparency tooling. Publisher-only: no applications, no lead forwarding, no personal data sharing with providers for underwriting/eligibility/suitability decisions, and no soft-check orchestration (or equivalent pre-qualification flows).

• Comparisons, provider profiles, and educational content
• Transparent disclosures, “last reviewed” freshness, and representative examples
• Corrections-first workflow

• Market monitoring (change detection, anomalies, snapshots over time)
• Data quality contracts (schemas) and integration points (APIs, alerts, reporting — monitoring only, not origination or application routing)
• Built to reduce risk and improve transparency — without compromising public independence

For partners and institutions, we may provide reviews and implementation support aligned with our transparency standards:

• Security & privacy readiness reviews (high-level / evidence-driven)
• Technical due diligence and data quality assessment (schemas, validation, provenance)
• Usability and ethical behavioral design reviews (clarity, disclosure, friction, dark-pattern avoidance)
• Build support and technical implementation for transparency/monitoring tooling

Partner work does not influence public rankings, methodology, or editorial decisions.

We treat sustainability as operational efficiency + transparency, not marketing.

• Static-first delivery & caching to minimize origin compute and reduce repeated work.
• Lean payloads (JS budgets, image optimization, fewer round-trips) to reduce data transfer.
• Efficient monitoring: incremental diffs over full reprocessing, deduplication, backoff/rate limits, and event-driven pipelines.
• Data minimization & retention discipline: store only what’s needed for provenance and research value; keep logs lean and time-bounded.

• We track cloud footprint where provider-grade reporting is available (e.g., Google Cloud Carbon Footprint for the parts that run on GCP).
• We keep periodic “footprint snapshots” (internal by default; shareable in summary form for partners upon request).

• We do not claim “carbon neutral” or certification-like outcomes without independent verification.
• Any footprint reporting has clear boundaries: what is included (cloud services we operate) vs. excluded (end-user devices, third-party services outside our control).

• finulio-public — public assets and well-known endpoints (brand/press, .well-known/*)
• finulio-dev — developer portal & monitoring API documentation (finulio.dev)
• finulio-schemas — versioned data contracts (JSON Schemas)

Additional internal repositories exist for product development and data pipelines and are kept private by design.

• Corrections-first: if something is wrong or outdated, we prefer fast, transparent fixes over silence.
• Methodology & data sources: documented publicly, including limitations and update frequency.
• Publisher-only operations: no application handling and no user data forwarding.
• Responsible automation: our crawlers and monitors follow the Responsible Crawling Policy (finulio/.github/policies/RESPONSIBLE_CRAWLING.md).
• Security reporting: vulnerability reporting details are published in security.txt.

• Product: https://finulio.com
• Developer portal: https://finulio.dev
• Mobile app: https://finulio.app (coming soon)
• Assets: https://assets.finulio.com
• Security: https://assets.finulio.com/.well-known/security.txt

• Finulio is operated by SIA FINULIO (Latvia), Registration No. 52403047441.