Who we are
STOS (“Safe to Spend,” “we,” “us”) is a personal finance app for iPhone operated by Carter Kemppel, an individual developer in North Carolina, USA. STOS is not a bank, broker, or financial advisor, and it is not operated by a company or LLC.
Questions about privacy or your data can be sent to team@getstos.app.
Information we collect
We collect the information needed to run your account and provide the app:
- Account information. When you create an account, we collect the details required to sign you in. You can sign in with email, Sign in with Apple, or Sign in with Google. Authentication is provided by Supabase.
- Bank account, balance, and transaction data. If you choose to connect a bank, that connection is made through Plaid. Plaid provides read-only account, balance, and transaction data so STOS can show your money and calculate a safe-to-spend number. We never see your bank login credentials. You can disconnect a bank at any time.
- Information you provide in the app. This may include budgets, goals, notes, and messages you send to Stack, the built-in AI assistant.
- Support messages. If you email us, we receive the address you use and the content of your message so we can help.
- Basic technical data. Like most apps, STOS may process device and app information needed to operate, secure, and improve the service (for example, to keep you signed in or diagnose a problem). We do not use advertising trackers, and we do not sell your data.
How we use information
We use the information above to:
- Create and maintain your account, and keep it secure.
- Show balances, transactions, budgets, and goals.
- Calculate your safe-to-spend number, including upcoming bills and regular spending such as groceries and gas.
- Power Stack, the in-app AI assistant, when you use it.
- Respond to support requests and communicate with you about the app when needed.
- Protect the service, prevent abuse, and comply with the law.
Bank connections through Plaid
Bank connections are provided by Plaid. When you connect an account, you authenticate with your financial institution through Plaid’s flow. STOS receives read-only account, balance, and transaction information. We do not receive or store your bank username or password.
Plaid handles that connection under its own privacy policy and terms. Please review Plaid’s policies if you connect a bank. Disconnecting an account in STOS ends that connection so we will no longer receive new data from that bank through Plaid.
AI features (Stack)
When you use Stack, STOS sends relevant financial summaries and the messages you enter to an AI model provider — currently Anthropic — so the assistant can generate an answer. We do this only to provide the feature you asked for.
We use providers whose terms do not allow them to train their models on our API data. You should still avoid putting information in Stack that you would not want processed to generate a response.
We do not sell your data, and we do not use ad trackers
We do not sell your personal information. We do not use advertising networks or ad trackers in STOS, and this website does not include tracking scripts.
How we share information
We share information only as needed to operate the app:
- Service providers that help us run STOS, including Supabase (accounts and app data), Plaid (bank connections), and Anthropic (AI responses when you use Stack).
- Legal reasons, if we are required to do so by law, or to protect the rights, safety, or security of you, us, or others.
These providers process information on our behalf or as independent services you choose to use (for example, when you sign in with Apple or Google, or connect a bank with Plaid). They have their own terms and privacy policies.
Retention
We keep account and app data for as long as your account is open and as needed to provide STOS. If you disconnect a bank, we stop receiving new data from that connection. If you delete your account, we delete or de-identify the personal data we hold for that account, unless we are required to keep a limited record (for example, to complete a support request that is still open, or to comply with the law).
Your choices, including deleting your data
You can:
- Update account details in the app.
- Disconnect a connected bank in the app, which ends that Plaid connection.
- Delete your account and associated data in the app, or by emailing team@getstos.app.
If you signed in with Apple or Google, you can also manage that sign-in method in your Apple or Google account settings.
Children
STOS is not directed at children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child under 13 has created an account, please email team@getstos.app and we will delete it.
Security
We take reasonable steps to protect your information. Data is encrypted in transit. Access to app data is limited with row-level access controls so that one account cannot read another account’s data through the app’s backend. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
We do not claim any formal security certifications.
Changes to this policy
We may update this policy from time to time. If we make a material change, we will update the effective date at the top of this page and, when appropriate, provide an additional notice in the app or by email. The updated policy applies once it is posted, unless a later date is stated.
Contact
For privacy questions, data requests, or account deletion, email team@getstos.app.
STOS is operated by Carter Kemppel, an individual developer in North Carolina, USA.