Privacy Policy
Last updated: June 2026
1. Information We Collect
We collect information you provide directly, including your email address, financial goals, and the contents of conversations you have with the Kanso assistant. When you connect financial accounts through Plaid or SnapTrade, we receive account balances, transaction history, investment holdings, and liability details for those accounts. We also store information about manual accounts you add yourself.
2. How We Use Your Information
We use your information to provide personalized, educational financial guidance and to operate, maintain, and improve the Service. We do not use your individual financial data to train AI models. We may analyze usage patterns in aggregate to improve the product.
3. Third-Party Services and Sub-Processors
Kanso relies on the following third parties to deliver the Service. Each is subject to its own privacy policy and to a contractual agreement with Kanso restricting how your data may be used.
| Sub-processor | Purpose | Region |
|---|---|---|
| Plaid Inc. | Bank, credit card, and loan account linking and data refresh. | United States |
| SnapTrade (Passiv Technologies Inc.) | Brokerage account linking and investment holdings data. | United States / Canada |
| OpenAI, L.L.C. | Powers the Kanso assistant. Conversation messages, and the financial context required to answer them, are processed by OpenAI to generate responses. | United States |
| Supabase, Inc. | Database storage, authentication, and file storage. | United States |
| Railway Corp. | Application hosting for the Kanso backend. | United States |
4. Data Sharing
We do not sell or rent your personal or financial data. We do not share your data with third parties for advertising or marketing. We share data only with the sub-processors listed above, strictly to deliver the Service, and only as required by law or to protect our rights.
5. Data Security
Access tokens for linked Plaid and SnapTrade accounts are encrypted at rest with Fernet (AES-128-CBC + HMAC-SHA256). Data in transit is protected with TLS. Row-level data access is scoped per user. We implement technical and organizational measures appropriate to the sensitivity of financial information to protect against unauthorized access, alteration, or destruction.
6. Your Rights
You have the right to access, correct, or delete your personal data at any time. You can disconnect linked accounts, export conversation history, and request complete account deletion through your account settings or by contacting us directly. We honor these requests for all users regardless of jurisdiction.
7. Data Retention
We retain your data for as long as your account is active. When you delete your account, we delete your personal data, conversation history, and financial records from our primary systems promptly, and we revoke the associated Plaid and SnapTrade authorizations. Routine backup copies are purged on their normal rotation, typically within 30 days. We may retain a minimal record where required by law (for example, fraud-prevention or tax records).
8. AI Processing Notice
The Kanso assistant is an AI feature powered by large language models operated by OpenAI. When you chat with Kanso, the content of your messages — and the financial context needed to answer them — is sent to OpenAI to generate a response. OpenAI processes this data as a sub-processor on our behalf under its data-processing terms and does not use it to train its general models. The assistant's output is educational and is not financial, legal, or tax advice.
9. Contact
If you have questions about this Privacy Policy or want to exercise your data rights, please contact us at [email protected].