How SpendSense handles consumer financial data.

This policy explains how TensorGrid Lab LLC collects, uses, protects, and deletes information when you use the SpendSense web or mobile application, including information received through Plaid Link.

Last updated: April 26, 2026

Plaid data

Used only to power your SpendSense workspace.

Connected account and transaction data supports budgeting, review, planning, trends, and sync features.

No broker sharing

Plaid-derived financial data is not shared with advertisers or data brokers.

Data is shared only with service providers needed to operate, support, monitor, and secure SpendSense.

Control

Export and delete controls are available in Settings.

You can download your data or delete your account and connected financial records from the application.

Information we collect

Account information you provide, such as your name, email address, password credentials, and settings.
Financial account, balance, and transaction information made available after you connect an account through Plaid Link.
Product usage events needed to understand activation and reliability. These analytics are designed not to include financial amounts, merchant names, account numbers, or transaction descriptions.
Technical information such as device, browser, app version, IP address, request metadata, error logs, and security signals needed to operate and protect SpendSense.

Who operates SpendSense

SpendSense is owned and operated by TensorGrid Lab LLC.
TensorGrid Lab LLC uses www.getspendsense.com as the official public website for SpendSense product information, account access, privacy disclosures, security details, and support contact.

Information we receive from Plaid

When you connect a financial institution, SpendSense may receive account names, account types and subtypes, balances, transaction history, merchant or transaction descriptions, dates, categories, institution identifiers, item identifiers, and related metadata from Plaid.
SpendSense receives and stores Plaid access tokens so the application can refresh account and transaction data after the initial connection.
SpendSense does not receive your financial institution login credentials from Plaid Link.

How we use information

To provide budgeting, account aggregation, transaction review, planning, trends, and related SpendSense features.
To generate AI summaries, coaching, trends, review explanations, and category suggestions using minimized SpendSense context instead of full raw transaction history where possible.
To authenticate users, protect accounts, investigate abuse, debug reliability issues, and maintain the security of the service.
To improve product flows using privacy-first analytics that avoid collecting sensitive financial content.
To comply with legal, regulatory, security, and contractual obligations.

AI features

When AI features are enabled, SpendSense may send minimized financial summaries, category signals, trend data, review reason codes, and amount ranges to an AI service provider to generate app guidance.
SpendSense is designed to exclude raw notes and avoid sending full raw transaction history to AI prompts where a summarized context is sufficient.
AI output is informational, can be incomplete or wrong, and should not be treated as financial, tax, legal, or investment advice.
AI cache entries, feedback, learned category rules, and categorization runs are handled under the retention controls described in the data retention policy.

Plaid and connected accounts

SpendSense uses Plaid Link to let you connect financial institutions. When you use Plaid Link, Plaid may collect credentials or authentication information directly from you under Plaid's own policies.
SpendSense receives Plaid access tokens, item metadata, account details, balances, and transactions needed to operate the application.
Plaid access tokens are encrypted by SpendSense before storage. Plaid-derived account and transaction data are stored in managed production Postgres with encryption at rest provided by the database platform.
You can disconnect connected institutions through SpendSense where available, through Plaid, or through your financial institution.

Sharing

We share data with service providers that help us operate SpendSense, including hosting, database, monitoring, analytics, email, and Plaid connectivity providers.
We do not share Plaid-derived financial data with advertisers or data brokers.
We may disclose information when required by law, to protect rights and security, or in connection with a business transaction such as a merger, financing, or acquisition.

Security and retention

SpendSense uses HTTPS/TLS for data in transit and production database encryption at rest for stored data.
Plaid access tokens are encrypted before storage and are only decrypted by the backend when needed to communicate with Plaid.
Production access is limited to authorized operators and service providers with a business need to operate, secure, or support the application.
We keep information for as long as needed to provide the service, meet legal obligations, resolve disputes, enforce agreements, and maintain backups. If you delete your account, active application data is deleted from the production application database subject to backup and legal-retention limits.

Your choices

You can export your SpendSense data from Settings.
You can delete your SpendSense account from Settings, which removes your profile, connected bank records, accounts, transactions, budgets, goals, recurring rules, categories, and related app data.
You can disconnect connected institutions where the app provides that control, and you may also manage Plaid connections through Plaid or your financial institution.
You can reject non-essential analytics cookies where the web app presents a consent banner.

Changes to this policy

We may update this policy as SpendSense changes. When we make material changes, we will update the date above and provide additional notice where required.

Contact

If you have questions about this policy, TensorGrid Lab LLC, or your data, contact support@getspendsense.com. You can also review the data retention and disposal policy and how the app is built around a shared backend and privacy-first analytics on the security page.