Privacy Policy
Your money, your business.
Effective September 2, 2026
Signal is a personal finance app that helps you understand your own money. This policy explains what information we collect through this website and the Signal app, how we use it, and the things we will never do with it. We have tried to write it the way we write everything else: plainly.
The short version: we collect your financial data only to show it back to you, with understanding attached. We never sell it, never share it for advertising, and never move your money.
What we collect on this website
If you join the waitlist, we collect the email address you submit. Waitlist submissions are processed by Formspree, our form provider, and we use your email only to contact you about Signal early access and product updates. You can ask to be removed at any time. This website does not use advertising trackers.
What we collect in the Signal app
- Account information. Your email address and basic profile details when you create an account.
- Financial data you connect. When you link a bank, credit card, or investment account, we receive read-only data through trusted aggregation providers (such as Plaid and Stripe Financial Connections): account details, balances, transactions, and investment holdings. You authenticate directly with your financial institution through the provider — we never see or store your bank credentials.
- What you tell Signal. Categories you correct, notes you add, and answers you give when Signal asks a question. This is the point of the product: your meaning is part of your data.
How we use it
We use your data for one purpose: to provide Signal's features to you — spending analysis and categorization, budgets, net worth tracking, recurring-payment and price-change detection, refund matching, and insights about your own financial patterns. We use AI services to help interpret transaction descriptions and generate insights; the data shared for that processing is limited to what the feature needs and is not used by those providers to train their models.
What we never do
- We never sell your data or share it with advertisers or data brokers.
- We never initiate payments or move money. All access is read-only.
- We never share your data with third parties, except the service providers that help us run Signal (aggregation, hosting, form processing, and AI processing, each bound to use it only on our behalf), or where the law requires it.
Where your data lives
Your data is stored on infrastructure located in the United States, encrypted in transit. Access tokens for connected accounts are held securely and can be revoked at any time by disconnecting the account.
Your choices
- Disconnect any linked account at any time; we stop receiving its data immediately.
- Ask us to delete your account and its data, and we will.
- Ask us what data we hold about you, and we will tell you. Depending on where you live (including California), these may also be legal rights — we honor them regardless.
Children
Signal is not intended for anyone under 18, and we do not knowingly collect information from children.
Changes
If this policy changes in a way that matters, we will say so on this page and update the date at the top. We will not quietly weaken it.
Contact
Questions about this policy or your data: support@signalmoney.ai.