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Security

Security that breathes with you.

Your money data is yours. The MoneyYogi app is a window into your finances, never a hand on them. Working one-on-one with an advisor is a separate engagement with a separate firm. Here is how each side is protected.

Your bank
Encrypted stream
MoneyYogi lotus logo
MoneyYogi

Read-only. One direction. Always.

Part one · The app

Everything below is about the MoneyYogi software published by MoneyYogi LLC: how it connects, how it stores your data, and what it can and cannot do.

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

The assistant helps you understand your own numbers. It explains, summarizes, and answers questions about what is already in your Space. It does not make personal recommendations and it cannot move money; personal advice comes from a human engagement with an advisor, never from the chat. 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. Strong password rules are enforced everywhere, and every sensitive action is recorded in a private audit log only you can see.

Restricted at the infrastructure level

Access to your financial data is restricted at the infrastructure level, not by policy alone. Every query is scoped to your Space, access for support is time-limited and only granted when you ask for it, and every read is logged.

Part two · Working with an advisor

A separate firm, with its own safeguards.

One-on-one planning and advice are provided by Money Holistics, the investment advisor behind Money Holistics. MoneyYogi is read-only software; Money Holistics is a one-on-one advisory firm that can manage delegated investments. That work sits outside the app, and it comes with its own protections.

  • Accounts held at a custodian

    Investment accounts are held at Money Holistics's custodian, Altruist. Money Holistics does not custody or move funds through the MoneyYogi app. If you delegate investments, money is moved only at the custodian under your written agreement, never through the app.

  • Authority to trade, only with your permission

    Money Holistics has authority to trade investment accounts you delegate, under your written agreement. Connecting an account through MoneyYogi never grants that authority. MoneyYogi is strictly read-only and cannot move money, ever.

  • Fees in writing, with the model spelled out

    Advisory fees are agreed in a written engagement with Money Holistics and billed by the firm. Investment fees are typically withdrawn from the account on the agreed schedule (assets under management); the monthly planning fee is billed directly or, with your written authorization, deducted from the account. No fee is ever charged through your MoneyYogi subscription.

  • Full disclosure on request

    Boundless Wealth LLC d/b/a Money Holistics (CRD# 321221) provides Form ADV Part 2A, describing services, fees, and conflicts of interest, to every prospective client.

  • Confidentiality and upfront cost disclosure

    Everything discussed one-on-one with Josh is confidential. Every cost is disclosed up front, before you become a client.

Using the MoneyYogi app does not make you an advisory client, and you never have to hire an advisor to use the app. Full disclosures and Form ADV.

Who does what

Software

MoneyYogi LLC

  • Tracks and organizes your accounts
  • Read-only connections, cannot move money
  • Subscription billed inside the app
  • Not an investment advisor, gives no advice
Advice

Boundless Wealth LLC d/b/a Money Holistics

  • One-on-one planning and personal advice
  • Trades only with your written permission
  • Fees billed separately by the firm
  • Investment advisor, CRD# 321221, Form ADV on request

Signing up for one never signs you up for the other.

Common inquiries

Does using the app mean I have a financial advisor?+
No. The MoneyYogi app is software published by MoneyYogi LLC, which is not an investment advisor. One-on-one advice is a separate engagement with Money Holistics. You can use the app without ever hiring an advisor, and you can work with the advisor without using the app.
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.
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?+
Two different things, so it is worth separating them. Product support is by email at josh@moneyyogi.ai, and you can book a walkthrough of the app. Personal financial advice is a separate paid engagement with the advisory firm, under its own agreement.
Read the full privacy policy

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