Last updated: March 25, 2026
Stewardfi LLC (“Stewardfi,” “we,” “us”) provides personal financial statement services. This policy explains how we collect, use, and protect your information.
Account Information: Name, email address, phone number, and home address when you create an account.
Financial Data: Bank account balances, transaction history, investment holdings, and securities data accessed through Plaid when you connect your accounts. Manual account balances and notes you provide directly.
Investment Data: Portfolio holdings, securities, cost basis, and asset allocation accessed through Plaid's investment product or entered manually for retirement and brokerage accounts.
Business Data: Business entity information, business income and expenses, and Schedule C category assignments for clients with business accounts.
Household Data: If you join a household with another member, we store the household relationship and account visibility preferences you configure.
Payment Information: Processed by Stripe. We do not store your credit card number.
We use your financial data to deliver monthly financial statements, generate spending reports, track net worth, manage budgets, detect subscriptions, project cash flow forecasts, and track financial goal progress.
AI Usage: We use AI (Claude by Anthropic) as a fallback for transaction categorization when our rules engine cannot determine a category. AI is also used to draft commentary for your monthly statements, which is then edited and finalized by a licensed CPA before delivery. Your financial data is sent to Anthropic's API for processing but is not used to train AI models.
Cash Flow Forecasting: We analyze your transaction patterns to generate forward-looking cash flow projections. These projections are estimates for planning purposes only.
Financial Goals: Goal progress data is stored securely and visible only to you, your household members (based on your visibility settings), and your CPA.
If you join a household with another member, you control what financial data they can see through account visibility settings:
Your CPA can see all household data regardless of visibility settings between members. You can leave a household at any time, which revokes your partner's access to your accounts.
All bank connections go through Plaid, which uses 256-bit encryption. We have read-only access to your accounts — we can never move money. Your bank login credentials are handled entirely by Plaid and are never stored by Stewardfi.
Data is encrypted at rest and in transit. Plaid access tokens are stored using Supabase Vault encryption. We use Row Level Security (RLS) policies to ensure clients can only access their own data.
Active accounts: financial data retained for the duration of your subscription. Canceled accounts: data retained for 90 days after cancellation, then permanently deleted. You may request data export or deletion at any time by contacting support@stewardfi.ai.
If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete your personal information, and the right to opt-out of the sale of personal information. We do not sell personal information. To exercise your rights, contact us at privacy@stewardfi.ai.
As a provider of financial services, Stewardfi maintains a Written Information Security Plan (WISP) in compliance with the Gramm-Leach-Bliley Act. We implement administrative, technical, and physical safeguards to protect your nonpublic personal information.
Questions about this policy? Email privacy@stewardfi.ai or support@stewardfi.ai.
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