Transparency

What we do with your data.
What we'll never do.

The legal privacy policy is comprehensive and legally binding. This page says the same things in plain English — so you know exactly what you're signing up for before you read the fine print.

Every piece of data we touch

What we collect, where it goes, why.

Five categories. No vague “etc.” No hidden third parties. If something collects data, it's on this list.

Your email address and password

When: At signup
Where it lives: Our database, hosted on Neon (US region). Password is bcrypt-hashed — we never see the plaintext.
Why: So you can log in. We use email for account-recovery and critical notices only. No newsletters without your explicit opt-in.

Transactions you enter or import

When: When you upload a CSV, type a transaction, or connect a bank
Where it lives: Our database, scoped to your user ID. Never pooled with other users' data.
Why: To show you the budget, net worth, and reports. That's it.

Bank and brokerage account info (if you use Plaid)

When: Only when you explicitly connect an account — Plaid is optional
Where it lives: Plaid receives your credentials directly; we never see them. Plaid sends us balances, transactions, and holdings.
Why: To keep your balances and transactions in sync without manual imports. You can skip Plaid entirely and work from CSVs.

Stock ticker symbols

When: When you hold investments in Verdant
Where it lives: We send ticker symbols to Finnhub to get live prices. No personal info, no account data — just "AAPL, VTI, BRK.B".
Why: So the investments page shows prices that matter today, not whatever price you last pasted in.

Standard server logs (IP, browser, URL)

When: Automatically, like every website
Where it lives: Server logs, retained short-term for security and debugging.
Why: Rate limiting, abuse detection, and understanding when something breaks. No third-party analytics on the pages where your financial data lives.

Promises you can hold us to

What we'll never do.

Six commitments. Written down, dated, and linked from every page of the site. If any of these changes, we'll say so loudly.

We'll never sell your data.

Not to lenders, not to advertisers, not to data brokers, not to anyone. Our business model is a paid subscription — yours to end any time.

We'll never show you ads.

No banner ads. No sponsored categories. No "recommended credit cards" slot in the sidebar. You paid us. We work for you, not the advertiser.

We'll never share your transactions with lenders, advertisers, or data brokers.

Your transaction history stays inside Verdant. It doesn't get aggregated, anonymized-and-sold, or handed to partners "to improve your experience."

We'll never require a bank login to use Verdant.

Plaid is an option, not a gate. CSV import is a first-class flow — every feature works without connecting a single account.

We'll never prevent you from exporting every piece of data we hold about you.

Full CSV and JSON export is available from Settings → Privacy & Data Export. Every transaction, budget, category, account, and holding. One click.

We'll never use dark patterns to keep you subscribed.

Cancel in one click, no "talk to a human" wall. Your data exports before you cancel, not after. Re-subscribe any time at the same price.

Commitments updated April 2026. Changes to this list get announced at least 30 days in advance via email to every active user.

The fine print, for when you want the fine print.

This page is the human version. The documents below are what you legally agreed to when you signed up.

Back to the home page

What we do with your data.What we'll never do.