Your money data,
locked down.
Your financial data deserves the same protection your bank uses. Here is exactly how we keep it safe, calm, and yours.
Three layers, working together.
Strong encryption, a trusted connection, and access that only ever reads.
256-bit encryption
Your data is encrypted in transit with TLS 1.3 and at rest with AES-256. The same standard banks and financial institutions use worldwide.
Trusted data providers
We never see or store your bank credentials. You connect through Plaid, used by 13,000+ institutions and apps like Venmo, Robinhood, and Coinbase.
Read-only access
Spendify can see your transactions and balances to help you plan, but can never move money, make payments, or change your accounts. View only, always.
Protected before it ever leaves your phone.
Security is not only what happens on our servers. On your phone, Spendify leans on the protections Apple already builds in.
Face ID & Touch ID
Lock the app behind your device's own biometrics, so your finances stay private even if your phone is unlocked.
Apple FinanceKit
On iPhone, Spendify reads supported account data through Apple's secure FinanceKit framework, kept inside Apple's privacy boundary.
Things we will never do.
Trust is earned through transparency. These lines we do not cross.
Never sell your data
Your financial data is never sold to advertisers, data brokers, or any third party. Period.
Never store your bank login
Your bank credentials go straight to Plaid. We never see, handle, or store your username or password.
Never move your money
Spendify has read-only access. We cannot initiate transfers, make payments, or change your accounts in any way.
The minimum collected, the maximum protected.
You stay in control of your data, start to finish.
You own your data
Export or delete your data at any time, no questions asked. Your financial information belongs to you.
Minimal collection
We only collect what's needed to run the service. No excess data, no profiling, no behavioral tracking for ads.
No cross-app tracking
No third-party ad trackers, no data brokers, no fingerprinting. What you do in Spendify stays in Spendify.
Automatic deletion
Close your account and all personal data is permanently deleted within 30 days. No lingering copies, no hidden backups.
How Plaid keeps you safe.
Plaid is the industry standard for securely connecting bank accounts. They handle the sensitive connection so we never have to.
- Connects to banks using the bank's own secure API
- SOC 2 Type II certified with regular security audits
- Trusted by 13,000+ financial institutions worldwide
- Powers Venmo, Robinhood, Coinbase, and thousands more
How your data flows
Your bank
Securely holds your accounts
Plaid
Handles credentials securely
Spendify
Sees balances and transactions only
Your bank credentials never touch our servers
Security questions, answered.
The most common questions we get about keeping your data safe.
No. When you connect an account, you enter your credentials directly into Plaid's secure interface. Spendify never sees, handles, or stores your bank username or password.
You can export your data at any time. After you close your account, all personal and financial data is permanently deleted from our servers within 30 days.
No. We never sell, rent, or share your financial data with advertisers, data brokers, or any third parties. Your data is used solely to provide you with the Spendify service.
Plaid is SOC 2 Type II certified, undergoes regular third-party security audits, and is compliant with industry-standard security frameworks. They process billions of transactions for apps like Venmo, Robinhood, and Coinbase.
No. Spendify has read-only access to your financial data. We can see your transactions and balances to help you plan, but we can never initiate transfers, make payments, or modify your accounts in any way.
Your Data Is Safe.
Your Debt-Free Date Awaits
Try free for 7 days. Bank-level encryption, read-only access, and your data never sold. Ever.
