Your money data is private.
Full stop.

You never type credentials into Cents

When you tap "Connect a bank," a secure pop-up from Plaid — a third-party service entirely separate from Cents — handles the login. Your username and password go directly to Plaid and are never seen or transmitted by Cents.

We only get a token, not your credentials

After you log in through Plaid, we receive a single access token — a long random string. Think of it like a valet key: it lets us ask Plaid for your account balance and, in future, spending history to power budgeting features. It cannot initiate payments or transfers of any kind.

Balances are cached for 24 hours, then refreshed

To keep costs low and avoid unnecessary calls to your bank, Cents caches your balance once per day. When you open the app, you see the most recent figure — refreshed automatically if it's more than 24 hours old. The cached snapshot is deleted the moment you disconnect a bank.

Disconnecting removes everything

When you disconnect a bank, we delete the access token from our database and simultaneously revoke it at Plaid's end via their itemRemove API. After that, neither Cents nor Plaid can access your account.