No. theAI does not sell or share your personal information or financial data with third parties. Your data is used exclusively to deliver personalized financial recommendations and enhance your experience with the platform. We are committed to protecting your privacy and strictly adhere to all applicable data privacy laws, to ensure your information remains secure and confidential.

theAI connects to your financial accounts through secure, read-only integrations powered by Plaid. These services are widely used in the financial industry and are designed to ensure that your login credentials are never seen, stored, or accessible by theAI.

When you choose to link a financial account, such as a checking account, credit card, or investment platform, theAI gains access only to the data needed to provide insights, such as account balances, transaction histories, and income patterns. This connection is strictly read-only, meaning theAI cannot move money, make changes, or perform any transactions on your behalf. All data transfers are encrypted using industry-standard security protocols. Additionally, you can view and manage your linked accounts at any time from within your settings. You have full control to unlink accounts whenever you choose, and your data is refreshed securely on a regular basis to ensure recommendations remain up-to-date and relevant.

theAI uses advanced algorithms and secure access to your financial data such as income, spending habits, savings, debt, and goals to generate personalized financial recommendations and predictions. By analyzing patterns in your financial behavior, theAI can help you create realistic budgets, set savings targets, reduce debt strategically, and plan for both short and long term financial goals.

In addition to core financial planning, theAI is regularly updated to reflect the latest financial regulations, tax law changes, and government programs. This ensures that the advice you receive is not only personalized but also aligned with current financial policies and opportunities.

You can update your personal information such as income, employment status, financial goals, or location at any time through your account settings. This can be done easily within the profile or preferences section of the website. Keeping your information up to date ensures that theAI's recommendations reflect your current financial situation and goals. It also allows the platform to adapt to changes in your life, such as a new job, relocation, or shifting priorities, so the advice remains relevant and personalized.

If you choose to have a human review:

• We'll share the AI's answer with a real human, who will take a look and add their own perspective.
• The goal is to give you extra context and insights from a human point of view, alongside what the AI already provided.
• Keep in mind—this isn't personal financial advice. Neither the AI nor the human is your financial advisor.
• We can't promise everything will be 100% accurate or complete. Think of it as a learning tool to help you explore ideas, not as professional advice.

Yes, you can use many of theAI's features without linking your financial accounts. This includes goal setting, budgeting tools, educational content, and general financial advice. These tools are designed to help you build healthy financial habits even if you prefer not to connect your accounts right away.

To help you better understand what linking your accounts would look like, theAI also offers demo versions of key features. These demos allow you to explore how the platform would analyze your financial data, surface insights, and generate recommendations without requiring any real account connections. This way, you can experience the value of theAI's full capabilities before deciding whether to link your accounts for a more personalized experience.

Connecting your financial accounts unlocks tailored and real-time insights that reflect your actual spending, saving, and income patterns, which significantly enhances the accuracy and relevance of the advice you receive. However, the choice is always yours.

You can delete your account at any time by navigating to the "Account Setting" section in the website. Once deletion is confirmed, all associated personal and financial data will be permanently removed from our servers in compliance with applicable data privacy laws. If you need help during this process, our support team is available to assist.