Privacy Policy

Account details. Your email address, an optional name, and your password. We store only a secure hash of your password, never the password itself.

Financial details you enter. Transactions you add, such as dates, amounts, merchants, descriptions, and categories, any budgets you set, and assets or liabilities you enter for net worth (a name, category, and balance). We don’t connect to your bank accounts.

Chat messages. The messages you send to the assistant and its replies.

Waitlist sign-ups. The email address and optional name you submit on banksta.net.

Technical data. Our servers briefly process your IP address to prevent abuse, such as limiting repeated sign-up attempts. We don’t use advertising trackers or third-party analytics.

We use your information to run BankstaChat: to sign you in, store your transactions and net worth entries, summarize your spending, answer your chat messages, keep the service secure, and contact you about early access if you joined the waitlist.

We don’t sell your information or use it for advertising.

Anthropic. When you chat, your message, recent messages from the same conversation, and a summary of your spending for the month (totals by category, top merchants, and recurring charges) are sent to Anthropic’s Claude API to generate a reply. Your name and email aren’t included. Anthropic processes this data under its commercial terms and does not use it to train its models.

Railway. Our servers and database are hosted by Railway in the United States.

Apple and Expo. The iOS app is distributed through Apple and receives app updates through Expo. These services may collect basic technical information as described in their own privacy policies.

We keep your account information, transactions, net worth entries, and chats until you delete your account. Waitlist entries are kept until you ask us to remove them or we no longer need them for early access.

You can delete your account at any time in the app: open the menu and tap Delete account. This permanently deletes your account, transactions, budgets, net worth entries, and chats, and removes your email from the waitlist.

To remove a waitlist entry or ask any other privacy question, email privacy@banksta.net.

Connections to BankstaChat are encrypted with HTTPS, passwords are hashed, and our database is reachable only from our own servers. No system is perfectly secure, so please use a unique password.

BankstaChat isn’t intended for children under 13, and we don’t knowingly collect information from them.

BankstaChat provides general budgeting education. It isn’t a licensed financial advisor and doesn’t provide financial, tax, investment, or legal advice.

If we change this policy, we’ll update the date above. For significant changes, we’ll let you know in the app or by email.