You choose how your data flows in — link your bank or import your own. We don't sell your data to advertisers. Here's exactly how PennySlice handles your information.
Link your bank or import your own — we never store your bank password. Bank linking uses secure OAuth, so your login stays with your bank and we never see or store it. Or export your own files: CSV, Excel, OFX, PDF, and more.
Your spending data is never sold to advertisers, data brokers, or any third party for marketing purposes. We don't show ads. Our revenue comes from subscriptions, not your data.
Export your data anytime. Delete your account and all associated data whenever you want. No lock-in, no dark patterns, no hoops to jump through.
The price you sign up at is locked for as long as you remain subscribed. If we raise prices in the future, your rate stays the same. No silent increases, no surprises on your bill.
When you ask PennySlice a question, here's exactly what gets sent to the AI provider — and what doesn't.
Every service PennySlice uses, what they see, and what they don't.
PennySlice is built to meet privacy regulations across Canada, the United States, and the European Union.
Read our full Privacy Policy and Cookie Policy for complete details.
No. Bank linking uses OAuth — you authenticate directly at your own bank's website. PennySlice (and Plaid, our bank-linking provider) never see or store your bank username or password. We receive a scoped, revocable read token that gives us access to the transactions and balances you choose to share. You can revoke that access anytime from your PennySlice settings or directly through your bank.
No. Bank linking is optional and available on paid plans only. You can use PennySlice entirely with your own exported files — CSV, Excel, OFX, PDF, and more. Import-only is a fully supported path with no feature loss for non-linking features. The choice is yours.
When you ask PennySlice a question, relevant transaction data (merchant names, amounts, categories) is sent to our AI provider for processing. Personal information like your name, email, and account numbers is never included. The AI provider processes the request and discards the data — it is not stored or used to train their models.
Yes. You can delete your account at any time from your settings. This permanently removes all your transaction data, categories, reports, and uploaded files. For linked bank accounts, we also call Plaid to remove the connection so they stop delivering data. No retention period, no hidden backups.
No. We don't show ads, and we don't sell or share your data with advertisers, data brokers, or any third party for marketing purposes. Our only revenue source is subscriptions.
All data is encrypted in transit (TLS/HTTPS). Your data lives on our own servers in Canada — not a third-party cloud — so it is not held under US jurisdiction. If you link a bank, the Plaid access token is encrypted at rest and is never stored in plaintext.
Free tier available. No credit card required.