Future You is designed around a simple principle: your financial data belongs to you. This policy explains what we collect, why, and how we keep it safe.
When you use the app without connecting a bank, all data — your balance, bills, income, and preferences — is stored locally on your device. Nothing is sent to our servers.
When you connect your bank through Plaid, we receive read-only account information, balances, transactions, and, when supported by your institution, liability details such as credit-card balances, payment amounts, and due dates. We use this information to calculate Safe to Spend, identify deposits and recurring bills, provide spending insights, and suggest debts you may choose to track. We never receive, store, or have access to your banking credentials (username or password).
We generate a random device identifier stored on your device to associate your bank connection with your app session. This identifier contains no personal information.
Your data is used solely to power the features you use:
We do not sell, rent, or monetize your data, and we do not use it for advertising. We share information with another Future You user only when you explicitly choose to share a commitment or pay timing through a household plan.
Household plans are optional. Only people invited to the household can view its shared plan, and an invitation can be accepted only by a signed-in account using the invited email address.
Account and bank-connected data is stored in a secured database and associated with your authenticated account. Plaid access tokens are encrypted at rest, and data is transmitted over encrypted HTTPS connections. Household members receive only the information you choose to share as described above. We retain your data only as long as your account is active. You can disconnect a bank or delete your account from Profile settings.
Bank connections are powered by Plaid Technologies, Inc. When you connect your bank, you interact directly with Plaid's secure interface. Plaid's Privacy Policy is available at plaid.com/legal.
You can:
Future You is not directed at children under 13. We do not knowingly collect personal information from children under 13.
We may update this policy from time to time. We'll note the date of the last update at the top of this page. Continued use of the app after changes constitutes acceptance of the updated policy.
Questions about this policy or your data?
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