Privacy Policy

When you connect a financial institution through Plaid, Athene receives, on your behalf and with your consent:

• Account names, types, masked account numbers, and balances
• Transaction history — date, amount, description, and merchant
• Investment holdings and, where the institution provides it, cost basis

It also stores the account you create: your email address, name (optional), and a hashed password. It never receives or stores your bank username or password — that exchange happens inside Plaid.

Your data is used only to run the app for you: to calculate net worth, categorize and summarize spending, chart your accounts over time, and project future balances. It is not sold, rented, shared for advertising, or used to build any profile beyond your own dashboard.

The connection to your bank is read-only. Athene can see balances and transactions; it cannot move, transfer, pay, or trade anything.

Athene relies on two outside services, and only these two:

• Plaid — the connection between Athene and your financial institutions. Plaid's handling of your data is governed by its own privacy policy at plaid.com/legal.
• Anthropic — used in two places. (1) To automatically categorize transactions: only a transaction's description, merchant, and amount are ever sent, never account names, institutions, or balances. (2) The optional Ask Athene feature: when you ask a question, a generated summary of your finances — balances, cash flow, spending by category, and holdings — is sent so it can answer. Your identity is never part of it: the summary contains no name, no email, no login details, and no account numbers (digits that look like account numbers are stripped before anything is sent). It is never a raw transaction list, and it is only sent at the moment you choose to ask a question. Anthropic does not train on this data.

Your data is not shared with anyone else.

Data is stored in a single private database that only this application talks to. Bank access tokens are encrypted at rest, and passwords are stored only as a salted hash, never in plain text. Access to the app is protected by an httpOnly session cookie.

Honest caveat: Athene is self-hosted by one person. The operator who runs the server has direct administrative access to the database, as is true of any self-hosted application. Data is never accessed except as needed to keep the app running.

You, and anyone you invite into your household, can see your household's data. Separate households are fully isolated and never see each other's accounts, transactions, or balances.

You can delete your account and all of its data at any time from Settings → Account → Delete account. Deleting removes every account, transaction, balance, and holding tied to you, and disconnects your banks at Plaid so no further data is retrieved. If someone still shares your household, only your own login is removed and the shared data remains for them.

Deletion from the live system is immediate and permanent. Encrypted disaster-recovery backups can hold a copy for up to 30 days before aging out automatically; after that, no copy exists anywhere. You can export your data (an Excel workbook, from Settings) at any time before deleting.

If the way Athene handles data changes, this page is updated and the date at the top changes with it.

Questions about your data or this policy — including requests to access or delete it — kennychowdhary@gmail.com. This address is monitored by the operator.