# Privacy and data security

Treasury reads your accounts through Plaid but can't move money, and you decide what Treasury AI keeps, which banks to share and when to delete data.

## What Treasury can see from your bank

Treasury connects to your bank through Plaid, and the connection is read-only. Treasury can't move money, make payments or pay bills.

You sign in to your bank through Plaid or on your bank's own site, so Treasury never sees your bank password. Through Plaid, Treasury reads:

- your accounts, balances and transactions, up to 2 years back;
- investment holdings, if your bank provides them;
- loan and credit card details, such as interest rates, if your bank provides them.

Treasury connects to banks in the United States only.

## What Treasury sends to AI services

Treasury uses outside AI services for Treasury AI and for categorizing transactions. This is what each one gets:

- **Google Gemini** writes Treasury AI's answers. It gets your message and the data Treasury AI looks up, such as balances, budgets and transactions.
- **OpenRouter** names each new chat. It gets the first 1,000 characters of the chat's first message.
- **Voyage AI** lets Treasury AI search transactions by meaning. It gets the search words, and each transaction's merchant, your label for it and its category, with personal details removed.
- **Parallel** runs Treasury AI's web searches. It gets the search words Treasury AI writes, which can include details you've shared.
- **ElevenLabs** turns dictation into text. It gets your recording, plus names of your merchants, accounts and investments.
- **TypeSafe** predicts categories for new transactions. It gets the merchant, amount, statement text and your bank's label. It also gets your category names and how you filed the merchant before.
- **TypeSafe** also helps pick Home's suggested questions. For that, it gets your category, merchant and bill names with rounded amounts, your note about how you earn, and the questions themselves. While **Learn from conversations** is on, it also gets your last 30 days of questions to Treasury AI.

Treasury tries to remove personal details, such as people's names in payments, before sending transaction details. TypeSafe still predicts categories when **Auto-Categorize** is set to **None**, but Treasury doesn't apply them. See [How Treasury categorizes new transactions](https://treasury.sh/help/auto-categorize#how).

Treasury AI uses memories only while **Learn from conversations** is on. See [Control what Treasury AI remembers](https://treasury.sh/help/treasury-ai-memory#turn-off). You can also [delete a chat](https://treasury.sh/help/chat-with-treasury-ai#history) at any time.

## Stop sharing a bank or delete your data

[Disconnecting a bank](https://treasury.sh/help/connect-your-bank#disconnect) in **Settings → Connections** also ends Treasury's access to it at Plaid. You choose whether to keep its history as manual accounts or delete it.

If your membership has ended, **Connections** is unavailable in **Settings**. Your banks stay connected at Plaid but stop syncing. To disconnect them, resubscribe or delete your account.

[Deleting your account](https://treasury.sh/help/delete-account) permanently removes your data from Treasury and asks Plaid to end its access to your banks. Records of past payments stay with Polar or Apple.

## Account security

Treasury's bank connections are read-only, so Treasury can't move your money. Treasury never sees your bank password, and it has no passwords of its own to steal. You sign in with a passkey, Google, Apple or a code sent to your email. Sign-in codes expire after 5 minutes. See [Sign in or recover your account](https://treasury.sh/help/sign-in#methods).

For what never to put in a support message or a chat with Treasury AI, see [What never to send](https://treasury.sh/help/contact-support#safety).

## Find the privacy policy

The [Treasury privacy policy](https://treasury.sh/privacy) covers how Treasury stores, protects, shares and keeps your data, and your rights. It can lag behind changes to the app, so it may not list every service in [What Treasury sends to AI services](https://treasury.sh/help/privacy#treasury-ai). For privacy questions, email [privacy@treasury.sh](mailto:privacy@treasury.sh).

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Open Connections in Treasury: https://app.treasury.sh/settings/connections

Page: https://treasury.sh/help/privacy

Last checked against the app: 2026-11-04