How do you calculate my carbon footprint from credit card data?

Consumption of resources is directly related to your carbon footprint, which is why Finite Footprint uses your purchasing history to provide you with a tailored assessment of your environmental impact. This purchasing history is captured in your credit statements, which Finite Footprint connects with in order to quantify your carbon footprint.

Finite Footprint is able to translate this purchasing history into an environmental footprint score through techniques like life cycle analysis (LCA), which determines the carbon intensity of your purchases. For instance, if you buy a gallon of gas, the LCA analysis will include the carbon generated from drilling the oil, refining it, transporting it to the gas station, and the CO2 that is emitted when you drive.

Is my credit card data safe?

Finite Footprint uses cutting edge, secure technology to connect to your accounts – the same technology that banks and credit cards use (courtesy of Finite Footprint never stores any personal or sensitive information.

Will Finite Footprint sell my credit card data?

Finite Footprint runs your purchasing history through our model to calculate your carbon impact. After the calculation is complete, we no longer retain access to your data. And even if we did, we would never use that information in any way other than intended – such behavior is not in the ethos of Finite Footprint.

I’m just one person. Is my impact really that significant?

You know global warming is a problem that we all face, but you might not be certain how you individually contribute to it. Finite Footprint solves that problem, by providing you with a simple, comprehensive, personalized carbon footprint score. A personalized score allows you to make an informed decision on how you want to address your impact, without having to resort to national averages or simple surveys that may not reflect the reality of your situation.

Plaid Securely Connects Your Credit Cards
Finite Footprint’s Simple, Secure Credit Card Interface

Your Finite Footprint Report
See What Your Footprint is Made of and Compare with Others


Now I know my impact. What next?

Finite Footprint provides context, showing you how your various consumption categories (e.g., dining, travel, goods, etc.) contribute to your carbon footprint. Finite Footprint also shows you have your carbon footprint compares against the average global citizen, the average American and also the average Finite Footprint user, so that you have benchmarks to compare against. Use this data to change your habits and built a more sustainable lifestyle.

Can one person’s actions really impact a global issue like climate change?

Finite Footprint simplifies the process of understanding your individual contribution to global warming so that you can do something about it. Further, Finite Footprint allows you to invite others to participate. See how you compare against other members in your social group, and how your social group compares against others.
By simplifying the process through which to address climate change and creating incentives to get others to participate, Finite Footprint hopes to foster change and drive more people to quantify, compare and offset their individual carbon footprint.


How do I know that my money is truly having an impact?

Finite Footprint has done the research to find the best projects out there, starting with just projects that are verified through third parties like Gold Standard and Verified Carbon Standard (VCS), which ensure that the credits being purchased are valid and verified.

One of the most cost-effective sources for carbon offsets are renewable energy projects, which continuously prevent the burning of fossil fuels through the provision of clean energy throughout the duration of their long life. These projects are also easier to validate and verify, driving down the cost of the review and ensuring a steady supply of carbon credits.

Finite Footprint is working with a wind farm in Puerto Rico that is Gold Standard verified, and is also benefiting the local community by supporting six United Nations Sustainable Development Goals. This project is from a proven developer that has built several small- to medium-scale high-quality emission reduction projects worldwide. Through the multiple verifications as well as our independent assessment, Finite Footprint has built a significant degree of confidence in this project.

Do I need carbon offsets? Can’t I just drive less?

Most of us have easy changes that we can make to diminish our carbon footprint, and Finite Footprint will help you get there. But studies have shown that even the most environmentally conscious American cannot get to a carbon footprint smaller than 0.7 tCO2e a month; this is the minimum spend our society demands of us. To get truly carbon neutral, carbon credits are essential.

Are carbon credits actually effective?

A carbon offset represents one metric ton of carbon dioxide equivalent (tCO2e) that was prevented from being emitted into the atmosphere, e.g., by preventing CO2 from being released elsewhere or by capturing CO2 from the atmosphere. Carbon offsets are a way of cancelling out the additional CO2 each human creates through our daily activity, by matching individual contribution with a reduction elsewhere.

Isn’t Finite Footprint just a middle-man then? Why not just offset my impact myself?

By consolidating demand and buying in bulk from a single supplier, Finite Footprint is able to purchase the carbon credits at a fair price, while also providing additional capital to the wind farm to enable further development in the community. The monthly subscription model also provides consistent cashflows to the project, allowing them to better plan and grow.

Because of these factors – scale and consistency – Finite Footprint is able to source high quality carbon credits for consumers while helping an effective, meaningful project grow and better benefit the environment. This means Finite Footprint can provide high-quality credits at a low cost.

How do I know my money will really have an impact?

Carbon offsets have a significant, meaningful impact on the environment due to a stringent set of requirements.
All carbon offsets must:

Establish permanence. The most desirable projects are those that are likely to remain intact and operational indefinitely – like protected forest land or renewable energy projects. Finite Footprint prefers to purchase credits from projects where the project managers use legal (and other) strategies to protect the project over the long term.

• Establish additionality, which refers to the amount of carbon dioxide captured, stored or prevented from reaching the atmosphere compared to what would happen without the project.

• Prevent leakage, which occurs when emissions avoided within a site are not eliminated, but rather displaced to another location.

• Conduct measurement and monitoring, including periodic field measurements.

• Establish verification of carbon benefits by an accredited independent third-party, which occurs periodically throughout the life of a project to ensure all of the requirements are being met. Gold Standard and Verified Carbon Standard (VCS) are two organizations that conduct this verification process and provide a high level of confidence to the end purchaser.

Wind Project in Puerto Rico Funded by Finite Footprint Members