Plain-English summary: Baseline connects to your bank read-only to show you your finances. We never sell your data. We never store your bank credentials. You can delete your account and all associated data at any time.
Baseline Financial ("Baseline," "we," "us," or "our") is a personal finance application that helps users track spending, manage budgets, and receive AI-powered financial insights. Our primary service is the Baseline iOS app, accessible at baseline-financial.com.
We are headquartered in the United States. If you have questions about this policy, contact us at [email protected].
Account Information: When you create an account, we collect your email address and the password you choose (stored as a secure hash — we never see your raw password).
Financial Data (via Plaid): Baseline uses Plaid Technologies, Inc. to connect to your financial institutions. Plaid retrieves account balances, transaction history, and account metadata on a read-only basis. We never receive, store, or have access to your bank login credentials. Plaid's privacy policy governs how Plaid handles your data. You can review it at plaid.com/legal.
Usage Data: We collect information about how you use the app — features accessed, session duration, crash reports — to improve the product. This data is anonymised where possible.
Communications: If you contact us via our website or support email, we retain those communications to respond to you and improve our service.
Waitlist Data: If you join our waitlist, we collect your email address solely to notify you about app availability.
Referral Information: When you participate in our referral program, we collect your unique referral code, referral relationships (who referred whom), bank-linking status of referred users, reward redemption history, and referral acceptance timestamps and device information.
Social Features Information: When you use social features, we collect friend connections and relationships, activity feed posts and interactions, reactions and comments, challenge participation and progress, shared financial statistics (opt-in only), and social nudges and interactions.
We do not use your financial data for advertising, scoring, or selling to third parties.
We do not sell, rent, or trade your personal information. We share information only in the following limited circumstances:
Referral Data: We do not share your referral code or referral relationships with third parties, except as anonymized analytics to improve the program, with law enforcement if required by law, or to prevent fraud or abuse.
What friends can see when you connect: Your username and profile, financial achievements you choose to share (e.g. savings milestones), your activity feed posts, and challenge participation and rankings.
What friends can never see: Your specific transactions or amounts, your bank account details, your exact account balances, or any information you haven't explicitly chosen to share.
We retain your account data for as long as your account is active. If you delete your account, we will delete your personal data within 30 days, except where retention is required for legal compliance or fraud prevention purposes.
Financial transaction data synced via Plaid is retained to power your historical insights. You may request deletion at any time by contacting [email protected].
We implement industry-standard security measures including:
No method of transmission or storage is 100% secure. We encourage you to use a strong unique password and enable device-level security.
Depending on your location, you may have the following rights regarding your personal data:
To exercise any of these rights, email us at [email protected]. We will respond within 30 days.
Baseline is not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.
We may update this Privacy Policy from time to time. We will notify registered users of material changes via email or in-app notification. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of Baseline after changes constitutes acceptance of the updated policy.
For privacy-related questions, requests, or concerns, please contact:
Baseline Financial
Email: [email protected]
Website: baseline-financial.com