Data Retention Policy
How long we keep what you give us, and what actually happens when you ask us to stop. Last updated: August 26, 2026.
Unlinking is not deleting
These are two different actions with two different outcomes, and it is worth being precise about which one you want.
Unlink a bank
We hand access back to your bank and stop importing new transactions. There is no more live data on the website or in the app for that institution.
Everything already imported stays on your ledger, so your earnings, expenses and tax totals for the year remain intact.
Delete your account
We erase your profile, every linked institution, and all of the transactions, earnings, expenses and trips we hold for you.
This cannot be undone, and it is not a scheduled job — the data is destroyed when you confirm.
You can unlink an institution from Accounts, and delete your account from Profile, on either the website or the app.
What we keep, and for how long
| Data | Retained |
|---|---|
Bank transactions, balances and account metadata Imported from your linked institutions via Plaid. Deleted immediately when you delete your account. | While your account is open |
Earnings, expenses and mileage trips Includes rows you entered by hand and rows derived from transactions. Deleted immediately when you delete your account. | While your account is open |
Bank access credentials Held encrypted at rest, never in plaintext. Overwritten the moment you unlink the institution or delete your account. | Until you unlink or delete |
Profile and identity details Name, email and the demographic answers you gave at sign-up. Erased from your record when you delete your account. | While your account is open |
Sessions and sign-in tokens Refresh tokens expire on a rolling 30-day window and are revoked immediately on sign-out or deletion. | Up to 30 days |
Records of money movement Contributions, fees and transfers. Retained after deletion where financial recordkeeping rules require it — see below. | Up to 7 years |
What we keep even after you delete
Records of money movement — contributions, fees and transfers — are retained after account deletion where financial recordkeeping rules require it, for up to seven years. We cannot delete these on request, and neither can any provider operating under the same rules.
If you have a linked brokerage account, closing it can take up to 30 days for the same reason. Nothing retained under this section is used to market to you, and it is never sold.
Requesting access or deletion
Deleting your account from within the product does everything an erasure request would, immediately, and we would rather you use it than wait on us. If you would prefer to ask us directly — or you want a copy of your data before it goes — email [email protected].
California residents have additional rights, including the right to opt out of sale or sharing. See Do Not Sell or Share My Personal Information, and our Privacy Policy for the full picture.
Questions about this policy
Gigaverse AI, Inc., a Delaware corporation — [email protected]