Gild ("we," "us," or "our") is a personal finance application that helps you manage your money, track your goals, and receive AI-powered financial guidance. We take your privacy seriously. This Privacy Policy explains what information we collect, how we use it, and the choices you have.
Gild does not sell your personal information. We do not share your financial data with advertisers.
Information you provide directly:
Information collected through Plaid:
When you connect a bank account, we use Plaid Technologies, Inc. to retrieve your account and transaction data. This includes:
Plaid's access is governed by Plaid's Privacy Policy. Gild does not store your bank credentials.
Automatically collected information:
Gild's advisor feature uses Claude, an AI model developed by Anthropic. When you send a message to the advisor, relevant portions of your financial context (such as account balances, spending patterns, and your stated goals) may be sent to Anthropic's API to generate a response.
Your financial data is stored locally on your device using AES-256 encryption. Gild does not operate servers that store your transaction history or account balances in the cloud.
To permanently delete all your data, use the "Clear Data & Start Over" option in Settings. This revokes your Plaid connections and removes all encrypted data from your device. Uninstalling the app may leave some local files on your system depending on your operating system, so we recommend using "Clear Data & Start Over" first if you want full deletion.
Gild integrates with the following third-party services:
We only share the minimum data required for each service to function.
If you are a California resident, you have additional rights under the CCPA, including the right to know what personal information we collect and the right to request deletion. Contact us to exercise these rights.
Since financial data is stored locally on your device, Gild retains it only for as long as the app is installed. Email addresses provided during signup are retained until you request deletion. We do not retain AI conversation history on our servers.
Gild is not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, contact us immediately at hello@trygild.com.
We may update this Privacy Policy from time to time. When we make material changes, we will notify you via email (if you have provided one) and update the "Last updated" date at the top of this page. Continued use of Gild after changes take effect constitutes your acceptance of the revised policy.
Questions about this policy or your data? We're here to help.