Privacy and your data

What Jarby keeps

Jarby keeps:

• Your email address, from sign-in.
• Settings you enter, such as cards, account and rewards-program names, recurring items and categories.
• What you import from a file, such as the transactions in a bank or budgeting-app export. Jarby does not keep the file itself.
• Feedback you send.
• For the accounts you connect: account names, types, last four digits and balances, transactions, and credit card statement details.
• Sign-in and security events, how the app categorized your transactions, and error reports.
• A record of each call Jarby makes to Plaid or Anthropic (time, type and result), and copies of AI suggestion requests and replies.

Jarby never receives your bank password or your full card number. You sign in to your bank in Plaid's window, and you enter card details on Stripe's page.

Jarby holds the information each signed-in member adds. By default, only the operator, and software the operator runs, can access it. You can choose to give someone else access to your totals only, never your transactions, names or account numbers, and you can revoke that. (The operator is the person who runs Jarby for Jarby LLC.) No one else can sign up until every 'Before anyone else is invited' item in the privacy notice is in place. If you are not the operator, those items describe how we treat your data.

Who can see it

The privacy notice says: "Only the operator, and software the operator runs (including AI agents provided by Anthropic), can access your information." Totals-only access you choose to give someone is separate from that.

Jarby shares your information only with the companies below, which work for us, and as the privacy notice describes under 'Other disclosures' (for example, to respond to court orders and legal investigations, and as permitted by law):

• Plaid connects your bank and card accounts.
• Anthropic provides the AI features in the app and the AI agents the operator uses to run Jarby. The privacy policy lists what is sent and how long Anthropic keeps it, including up to 2 years for a session flagged for safety review.
• Google handles sign-in. It learns that you sign in to Jarby, and gets none of your financial data.
• Stripe handles subscriptions. Today billing is in test mode and no card is charged.
• Sentry handles error monitoring. An error report can sometimes include a piece of your data, such as a transaction description.
• Resend will send account emails (invitations and service notices). Today Jarby sends no email.

Jarby runs on a single server that the operator owns and runs, in the United States. Hosting is moving; the privacy policy will say when.

Jarby does not sell your data, share it for advertising, or use it for advertising. It does not make credit decisions.

How long it is kept

• Your accounts, transactions, cards, settings and feedback stay until you delete your account.
• When you disconnect a bank, Jarby asks whether to keep or delete its history. Delete removes the bank, its accounts, its transactions and the raw records Plaid sent us. This can't be undone. Keep stops syncing and keeps your history as a closed bank, with no connection, until you delete it in Settings › Connections.
• Database backups keep the last 30 nightly copies, about 30 days. Copies made by hand are deleted by the operator.
• Copies of AI suggestion requests and replies are kept for 30 days, and deleted sooner when you delete your account or disconnect a bank.

Webhook receipts from Plaid and Stripe are deleted after 90 days. A few items have no set deletion period today, such as server logs and encryption-key snapshots. The retention table in the Privacy policy lists them.

What you can do

In Settings › Privacy you can:

• Download a copy of your main records. See Export my data.
• Correct most data in the app.
• Delete your account. See Delete my data.

If your invite is withdrawn, you can still sign in for up to an hour at a time to download your data or delete your account. Nothing else opens.

Read the full policy

The Privacy policy has the complete text, including the retention table and how Jarby protects your information.