What we will not do, written down before you ask.
A finance product is only as good as the things it refuses. These are not marketing lines; they are rules the build is held to, and the checks enforce the ones a machine can.
Missing is missing.
An absent figure renders as missing, never as zero. A zero on a Panorama screen means zero.
Nothing is asserted.
A number is published only from the source that owns it. If two sources disagree, you see both and which one we trust.
A guess says it is a guess.
A forecast, an estimate or a model is labelled and drawn differently from what was observed.
Your data is not the product.
No advertising, no data brokering, no selling your transactions to anyone, in aggregate or otherwise.
Nothing moves money.
Panorama reads. It does not pay, transfer, trade or initiate anything, and the access it holds cannot.
Secrets are sealed.
Every connection credential is envelope-encrypted. Sign-in is a passkey, not a password.
You can leave with everything.
A full export of every account, transaction, balance and rule, in open formats, on demand. No hostage data.
Nobody else is watching this site.
No analytics, no trackers, no third-party fonts. Every byte this site loads comes from myfipano.com.
Checked before it ships.
Automated checks run against the real system before any change reaches you — 563 of them when this page was published — including one that proves a backup restores and one that proves no test data was left behind.
Held to it, every day.
Reserve a place; we will write when your account opens.