Privacy at Alignward
Effective August 30, 2026. This notice describes Alignward customer accounts and the connected financial-data flow.
What Alignward collects
Alignward stores the plan inputs you provide, such as account classifications, income timing, bills, buffers, goals, spending limits, and notification preferences. When you connect an institution through Plaid, Alignward receives the accounts, balances, transactions, holdings, liabilities, institution details, and update status you authorize in Plaid Link.
How connected data is used
Connected financial data is used to show your financial picture, protect obligations, calculate deterministic daily spending guidance, refresh that guidance when available data changes, and answer your questions inside Alignward. Alignward does not sell connected financial data or use it for advertising.
Plaid
Plaid provides the account-connection service. Your financial institution credentials are entered in Plaid Link and are not provided to Alignward. Plaid’s collection and processing are governed by the choices shown in Link and Plaid’s End User Privacy Policy.
AI guidance
When you ask Alignward’s AI a question, a limited context containing the deterministic plan and relevant financial details is sent to the configured OpenAI API to explain the plan. The AI is instructed not to override calculations or initiate transactions. Alignward does not enable OpenAI API response storage for these requests.
Account identity
Alignward uses your authenticated ChatGPT email address and available display name to create and secure your customer workspace. Alignward does not receive or store your ChatGPT password.
Storage and security
Each customer’s records are separated by authenticated identity. Plaid access tokens are encrypted before storage and are never exposed to the browser after exchange. Environment credentials are stored as protected hosting secrets. No system can promise absolute security, so connected access should be reviewed and removed when it is no longer needed.
Retention and deletion
Financial records remain until you disconnect an institution or your Alignward account is deleted. Disconnecting requests removal of the corresponding Plaid Item and deletes its synchronized accounts, transactions, positions, and stored access token from Alignward. Account deletion also removes stored plans, history, goals, notification subscriptions, and the Alignward customer record.
Your choices
You choose which institutions and accounts to share, whether an account may fund daily guidance, whether an account is protected, tracked, or excluded, and whether notifications display a dollar amount. You can stop sharing an institution from Accounts & settings.
Important limitation
Alignward provides planning information and software guidance. It does not move money and is not a bank, fiduciary, investment adviser, tax adviser, or legal adviser. Bank refresh timing and pending-transaction availability can affect when a change appears.
Questions or a deletion request
Use Accounts & settings to disconnect an institution. Account-deletion requests are completed through Alignward support and permanently remove the customer workspace after connected institutions are safely revoked.