Trust Center

Your financial data, handled carefully.

Stow Money connects to your accounts to build your household's plan. Here is exactly what we collect, what we share, and how we protect it.

What we store, and what we don't

Stow stores enough to build your plan, and nothing more. The financial data we hold is not linked to government IDs, Social Security Numbers, full account numbers, or credentials. Even in a worst-case breach, the data that enables identity theft is simply not here.

Data typeStored?Details
Bank account numbersNeverPlaid handles connection securely. Stow never sees your login credentials or full account numbers.
Card numbers, CVV, PINsNeverNever collected at any point.
Social Security NumberNeverNot collected.
Online banking passwordsNeverPlaid authenticates directly with your bank. Stow never receives your password.
Email addressYesUsed for sign-in and to contact you about your account. Never shared for advertising.
Plaid access tokensYesEncrypted at rest. Used only to sync your accounts on your behalf.
Account balancesYesSynced from your connected accounts and used for planning calculations.
Transaction historyYesUsed to infer recurring patterns, bills, income, and build your personal plan.
Debt and bill detailsYesYou provide this directly or it is inferred from transactions. Used for planning.
Goals and planning contextYesWhat you tell Stow about your goals and priorities. Used to personalize your plan.

Who we share data with

Stow Money never sells or rents your personal financial information. We share data only with the service providers necessary to operate the product, nothing beyond that, and never for advertising.

Data typeShared withDetails
Financial summaries for planningAI serviceAnonymized data is sent to generate your plan. Credentials and account numbers are never included. Your data is not used to train AI models.
App hosting and storageCloud hostingYour data is stored and processed on secure cloud infrastructure. The database is not publicly accessible.
Sign-in emailsEmail serviceUsed only to send your sign-in link from [email protected]. No financial data is included.

How we protect your data

Account linkingStow uses Plaid to connect your bank accounts. Plaid handles authentication directly. Your banking credentials are never shared with Stow. See Plaid's privacy policy at plaid.com/legal.
AuthenticationPasswordless sign-in via email magic link or third-party identity provider. No passwords stored.
Encryption in transitTLS enforced on all connections between your browser and our servers.
Encryption at restDatabase encrypted at rest. Financial access tokens are additionally encrypted at the application layer before storage.

How we use Plaid

What Plaid isPlaid is a regulated financial data provider that lets you securely connect your bank accounts to apps like Stow Money. Plaid handles authentication directly with your bank. Your banking credentials are never shared with or stored by Stow Money.
Data we requestAccount balances, transaction history, recurring transactions, and liability details (for credit cards and loans). We request only what is necessary to build your plan.
Revoking accessYou can disconnect any linked institution at any time from the External Accounts page inside Stow. You can also revoke access directly through your bank or through Plaid's consumer portal at my.plaid.com.
Plaid's privacy policyplaid.com/legal

Legal & policies

Privacy PolicyHow Stow Money collects, uses, and protects your personal information.Terms & Financial DisclaimerWhat Stow Money is, what it isn't, and your responsibilities as a user.AI Use DisclosureHow AI is used in planning, what data it sees, and its limitations.

Questions about privacy or security? [email protected]

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