What we hold about you, and how to take it back

Everything in your account is yours. We hold it only while you need us to, and you can leave with nothing left behind. Here’s everything we keep:

• Your name, email and phone.
• Your accounts, transactions, debts, budget and goals.
• Each account’s balance for every day it updated or changed.
• Your saved report views.
• Your log in settings: two-factor and passkeys. If you use Email codes, we keep each emailed code only in a scrambled form that can’t be read back. We delete it within two days.
• An encrypted key for each bank you connect.

We never have your bank password. That goes to Plaid and never reaches us.

Deleting everything

Go to Settings → Security → Delete account. You enter your password again. If you use an authenticator app, you enter its code too. With Email codes alone, the code you logged in with already counts. Then it removes your profile photo and disconnects every bank at Plaid. It deletes your profile, accounts, transactions, debts, budget and goals.

It’s permanent, and we can’t undo it. The Plaid step happens first on purpose. The keys that disconnect your banks are stored with the data being deleted. Doing it the other way around would leave your banks connected to an account that no longer exists.

You don’t need to ask us, and there’s no waiting period. If you can’t get into your account, email us from the address on it and we’ll do it.

Exporting

You can export only some of it today. Export your payoff schedule as a CSV file from Debt Payoff (Export schedule), and every report on Reports (Export report). You can’t export all your transactions at once yet. That’s on our list. We’d rather you know that now than find out when you need it.

Removing one bank instead

If you only want one bank gone, choose Remove bank… from its ⋯ menu on Accounts → Banks. Be aware that this also deletes that bank’s accounts, transactions and imported debts — see Keeping your data current. The one exception is yours to choose: the app asks whether to keep that account’s balance history (its name, its type and its daily balances) so your past totals do not change. You can delete it later in Settings → Removed accounts.

The longer version

Our Privacy Policy is the full, formal version. The Security page explains in plain words how we connect to banks. Your account keeps watch over what’s been entrusted to you. It’s yours, and holding it for you is a trust we try to keep, right up to the moment you ask for it back.