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Security

Security that breathes with you.

Your money data is yours. MoneyYogi is a window into your finances, never a hand on them. Here is how every layer is built to keep it that way.

Your bank
Encrypted stream
MoneyYogi lotus logo
MoneyYogi

Read-only. One direction. Always.

Read-only

Move money: disabled

01 · Connection

A read-only window into your accounts.

MoneyYogi uses Plaid to connect to your bank, the same secure bridge used by most major finance apps. The connection is strictly read-only. We can see balances and transactions to show them back to you. We cannot move money, initiate transfers, or change your account settings. There is no code path in the app that can.

02 · Infrastructure

The deep vault.

Sensitive numbers, balances, transactions, notes, are encrypted with AES-256 at rest, and everything moves over TLS 1.2+ in transit. Your data lives in row-level isolation, so every query is automatically scoped to your Space. Even our own database can only return what belongs to you.

AES-256TLS 1.2+Row-level isolationEncrypted backups
03 · Intelligence

AI that respects silence.

A private place to ask questions about your own money. Your prompts and your data are never used to train AI models.

Your SpaceEncrypted at rest
How is my spending?

Ask anything in plain English. Your questions and answers stay encrypted inside your Space so you can revisit them later. They are never used to train AI models, ours or anyone else's.

What the AI will, and won't, do

MoneyYogi's AI helps you understand your own data. It explains, summarizes, and answers questions. It does not give investment, legal, or tax advice, and it does not move money. Your Personal Space and Business Space stay walled off from each other, context never leaks across.

04 · Access

You hold the keys.

Turn on two-factor authentication (TOTP) in one tap from Settings. Trusted devices stay trusted for 30 days; new devices always re-verify. Strong password rules are enforced everywhere, and every sensitive action is recorded in a private audit log only you can see.

Limited employee access

By default, no MoneyYogi employee can read your individual financial data, access is automated and locked at the infrastructure level. A small number of authorized engineers can be granted time-limited, audited access only when you have asked for support, and only for as long as it takes to help.

Not a bankNot a brokerNot a tax filer

A window into your money. Never a hand on it.

Common inquiries

Who can see my financial data?+
By default, no MoneyYogi employee can see your individual financial data, access is locked down at the infrastructure level. A small number of authorized engineers can be granted time-limited, audited access only when you have explicitly asked for support, and only for as long as needed.
What happens when I disconnect or delete?+
Disconnecting an institution stops all syncing immediately. Deleting your Space fully purges its accounts, transactions, tasks, and AI conversations. You can also email us to delete your entire account.
Is two-factor authentication required?+
Two-factor authentication (TOTP) is optional and strongly recommended, one tap to turn on in Settings. Trusted devices stay trusted for 30 days. Any new device has to re-verify.
Does the AI ever train on my data?+
No. Your prompts and responses are not used to train AI models, ours or anyone else's. We have opted out of model training with our AI providers, and their paid terms exclude your data from training. Chat history is stored encrypted inside your Space so you can revisit conversations.
Can MoneyYogi move my money?+
No, and it never will. Plaid connections are strictly read-only. There is no code path anywhere in MoneyYogi that can move money, initiate a transfer, or change a setting on your bank account.
Can I share my Space with someone I trust?+
Yes. Invite a spouse, partner, accountant, or collaborator to your Space as an editor or viewer. You control who sees what, and you can remove access any time.
Can I talk to a real human?+
Yes. Free 1:1 coaching calls with a real money coach are available right inside the app, no card, no sales pitch. Educational only, not investment, legal, or tax advice.
Read the full privacy policy

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