Treasury Technologies, Inc. ("Treasury," "we," "us," or "our") is committed to maintaining robust privacy protections for our users. This Privacy Policy ("Privacy Policy") is designed to help you understand how we collect, use, and safeguard the information you provide to us, and to assist you in making informed decisions when using our financial management services (the "Services").
By accessing our website (treasury.sh) or using our Services, you accept this Privacy Policy and our Terms of Service, and you consent to the collection, storage, use, and disclosure of your personal information as described in this Privacy Policy.
I. Information We Collect
We collect both "Personal Information" and "Non-Personal Information."
Personal Information
Personal Information includes data that identifies you as an individual. This may include:
- Name and contact details (email, phone number)
- Account credentials (username, password)
- Financial account data (via our integration partner Plaid)
- Transaction records, balances, and budget preferences
- Profile details and financial goals
Non-Personal Information
Non-Personal Information includes data that does not personally identify you. Examples include:
- Device details (IP address, browser type, operating system)
- Usage data (features used, time spent, pages visited)
- Location data (with your consent)
- Cookies and tracking technologies
Information Collected via Technology
Like many services, we automatically track information provided by your browser or device when you interact with our Services. This includes referring/exit pages, URLs, click counts, and session data. We use cookies and similar technologies to collect and remember user preferences, both on an individual and aggregate basis.
Information Collected Through Plaid
When you connect a financial account through Plaid, we securely access:
- Account balances and transactions
- Account and routing numbers
- Investment holdings and performance
- Income and expense categories
Children's Privacy
Our Services are not directed to anyone under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have unintentionally collected such data, please contact us immediately at privacy@treasury.sh.
II. How We Use and Share Information
Use of Personal Information
We use your information to:
- Provide, maintain, and improve our Services
- Process transactions and manage financial data
- Communicate updates, support notices, and security alerts
- Respond to questions and support requests
- Monitor usage trends and detect fraud
- Personalize your experience
- Comply with legal and regulatory obligations
Sharing of Information
We never sell, trade, or rent your personal information. We may share information as follows:
Service Providers
We work with trusted partners, including:
- Plaid (secure financial data connections)
- Cloudflare and Google Cloud (hosting and infrastructure)
- Google Gemini API (AI-powered transaction categorization, advisor, and knowledge base search — see Section IV)
- Email and analytics providers (communications and performance insights)
Legal Requirements
We may disclose information when required by law or when necessary to:
- Comply with court orders or regulations
- Protect our rights, property, or safety
- Prevent, detect, or investigate fraud or wrongdoing
Business Transfers
In the event of a merger, acquisition, or asset sale, your information may be transferred to the acquiring entity.
Use of Non-Personal Information
We use Non-Personal Information to improve our Services and analyze trends. We may also share aggregated, anonymized data with third parties for analytics and research purposes.
III. How We Protect Information
We implement strong security measures to protect your data, including:
- 256-bit SSL encryption in transit
- Encryption at rest for sensitive data
- Regular security audits and vulnerability testing
- Strict access controls and authentication
However, no system is 100% secure. By using our Services, you acknowledge and accept this risk.
IV. Artificial Intelligence and Automated Processing
Treasury uses artificial intelligence features powered by Google's Gemini API to categorize transactions, answer questions through our AI Advisor, and enable search over our finance knowledge base. This section describes what information is sent to our AI provider and how it is handled.
Transaction Categorization
When new transactions arrive in your account, we send transaction data to Gemini so it can be assigned to a budget category. Before this data leaves our systems, we scrub personal identifiers including full names, phone numbers, email addresses, account and routing numbers, card numbers, and peer-to-peer recipient names. What we send is limited to the cleaned merchant name, the transaction amount, and context such as your own prior categorizations for similar merchants.
AI Advisor
Our AI Advisor is a conversational assistant that answers questions about your finances. When you send a message, we transmit your question, selected profile details you have provided (such as income range, state of residence, age, and financial goals), and financial data the Advisor retrieves on your behalf (such as budgets, balances, and transactions) to Gemini in order to generate a response.
Conversations with the AI Advisor are stored in your Treasury account so you can review and continue them. You may request deletion of this history under Section V.
Knowledge Base Search
When you search our finance knowledge base, your search query is sent to Gemini to generate a numerical embedding used for semantic matching. No transaction, account, or profile data is included in these requests.
Training and Retention
Under Google's terms for the paid Gemini API, data transmitted through the API is not used to train or improve Google's generative AI models. Google may retain requests briefly for abuse monitoring and service reliability. Treasury does not use your data to train or fine-tune any model, and we do not sell or share AI inputs or outputs with third parties beyond the provider required to generate the response.
Human Review
Treasury does not routinely read the contents of AI Advisor conversations. We may review specific interactions only to investigate a bug you have reported, respond to a support request you send us, or comply with a legal obligation.
Your Choices
You may choose not to use the AI Advisor or the knowledge base search at any time. You can also turn off automatic transaction categorization in your settings, in which case no transaction data is sent to Gemini for categorization. If you have questions or concerns about AI processing of your information, contact us at privacy@treasury.sh.
V. Your Rights and Choices
- Account Access: You may update, correct, or delete your account information at any time.
- Communications: You may opt out of promotional emails by clicking "unsubscribe" or updating your settings.
- Data Portability: You may request a copy of your personal information in a structured, common format.
- Data Deletion: You may request deletion of your information, subject to legal obligations.
- California Residents: If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA).
VI. Data Retention
We retain your information for as long as necessary to provide our Services and fulfill the purposes outlined in this policy. We may also retain information to comply with legal obligations, financial reporting requirements, tax and audit obligations, or to defend against claims.
VII. Third-Party Services and Links
Plaid Integration
We use Plaid Inc. ("Plaid") to connect your financial accounts to Treasury. By linking your accounts through Plaid, you grant Treasury and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution.
Information shared with Plaid is treated in accordance with Plaid's End User Privacy Policy. Plaid may use and share your information as described in their policy, including to improve their services and provide aggregated, anonymized insights to their other customers.
External Links
Our Services may link to third-party websites. We are not responsible for their privacy practices.
Analytics
We use analytics providers to understand usage and improve the Services.
VIII. International Data Transfers
Your information may be processed in the United States or other countries. These locations may have data protection laws different from your own. By using our Services, you consent to these transfers.
IX. Changes to this Privacy Policy
We may update this Privacy Policy periodically. Material changes will be communicated by:
- Updating this page with a new "Last Updated" date
- Sending you an email notification (for significant changes)
Your continued use of the Services after changes constitutes acceptance of the updated Privacy Policy.
X. Contact Us
If you have any questions about this Privacy Policy, please contact us:
Treasury Technologies, Inc.