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Security

Security that breathes with you.

Your money data is yours. Full stop. Here is how every layer of MoneyYogi is built to keep it that way.

Your bank
Encrypted stream
MoneyYogi
MoneyYogi

Unidirectional read-only sync

Read-only

Move money: disabled

01 · Connection

Hands-off access.

We use Plaid to securely bridge your accounts. It is strictly a read-only pipe — MoneyYogi cannot move money, initiate transfers, or change your account settings. Ever.

02 · Infrastructure

The deep vault.

Sensitive data is encrypted with AES-256 at rest and TLS 1.2+ in transit. Your information lives in row-level isolation on enterprise-grade cloud infrastructure designed for global finance.

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

AI that respects silence.

Your financial life is never training material.

Your SpaceZero-retention
How is my spending?

Every prompt is scoped to a single Space and discarded after the response. Model providers are contractually prohibited from retaining or training on your data.

No external training

Data stays inside your encrypted boundary. Cross-Space context never leaks — your Personal Space and Business Space are walled gardens.

04 · Access

You hold the keys.

Mandatory multi-factor authentication, trusted-device management with 30-day persistence, strict password requirements, and a private audit log of every sensitive action.

Not a bankNot a brokerNot a tax filer

Pure peace of mind

Common inquiries

Who can see my financial data?+
Only you. Our team cannot access individual account or transaction data. Support tickets work from anonymized logs unless you explicitly grant time-limited access for troubleshooting.
What happens when I disconnect or delete?+
Disconnecting an institution stops all syncing immediately. Deleting your Space triggers a full purge of accounts, transactions, and AI memory associated with it.
Is two-factor authentication required?+
Yes. MFA via authenticator app (TOTP) is mandatory. Trusted devices remain trusted for 30 days; new devices always re-verify.
Does the AI ever train on my data?+
No. Our model sub-processors are contractually prohibited from using your prompts or responses to train their models. Prompts are transient and scoped to a single Space.
Can MoneyYogi move my money?+
No — and it never will. Plaid connections are read-only. There is no code path in the product that can initiate a transfer, payment, or change to your accounts.
Read the full privacy policy

Less stress.
More peace.

Seven days free. Twenty dollars a month after. Cancel in two taps.

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Annual$199/yr
Monthly$20/mo

Mindful finance for a modern life