Last updated October 19, 2026
Bord needs to see your money to be useful. It doesn't need to sell your data, show you ads or train AI on what you tell it, and it doesn't. This page explains what we collect, why, who helps us run Bord, and how to delete everything.
The short version
We collect what Bord needs to answer questions about your money: the accounts you connect, the messages you send us, and your subscription. We don't sell your data, we don't share it for advertising, and we don't let anyone train AI models on it. You can delete all of it from Settings.
Bord is run by Bord LLC, a North Carolina limited liability company, which is responsible for your data under this policy. “Bord”, “we”, “us” and “our” mean Bord LLC. This policy covers bordmoney.com, bord.money, the Bord iPhone app and the Bord text-message service.
What we collect
Your account. Your phone number, and your name and email if you give them to us. Clerk handles sign-in and stores these for us. During sign-up we ask for your birthday to confirm you're 18 or older, but we don't store it.
Your financial accounts. When you connect a bank, card or brokerage through Plaid, we receive the accounts you choose to share: account names and the last few digits of account numbers, balances, up to two years of transactions, investment holdings, and loan and credit card details. We never see or store your bank login. The access token Plaid gives us is encrypted with AES-256-GCM.
Your messages. When you text Bord, we keep your phone number, the messages you exchange with us, and whether you've asked us to stop. If you send a voice note, we keep the transcript but not the audio. If you send a photo of a receipt or bill, we keep what was read from it, like the amounts and item names, but not the photo.
Gmail, only if you connect it. Bord can look through your recent email for receipts, renewal notices and refunds. For each one it finds, we keep a reference to the email, the sender's domain, the merchant, the type of email, the amount and date, and the charge it explains. We don't keep the subject, the body or attachments. We also keep the address of the connected inbox.
Email Bord sends or tidies for you. You can ask Bord to send an email, reply to one, or archive, delete or label emails from a sender. Bord always shows you exactly what it will do first and does nothing until you say yes. We keep a copy of emails Bord sent for you (recipient, subject, body and Gmail's ID for it) and the IDs of emails it moved or labeled.
Payments. If you save someone's Venmo or Cash App handle so Bord can make you a payment link, we keep the handle, the name you gave it, and a record of each link (who, how much and when). Text “forget” and their name to delete a saved handle. If you use bank transfers where we offer them, we keep that you connected, the limit you set, the phone or email of each person you pay, and each transfer you asked for and its status. Natural collects and verifies your identity and bank details directly. We never receive them.
Your subscription. Stripe processes web payments and Apple processes App Store payments, so we never see your card number. We keep your Stripe customer ID or Apple purchase records, your plan, its status, your renewal date and your invoice history.
How you use Bord. We record product events, like whether you finished setting up, using PostHog with a random ID. We also log what the service needs to run, like which features were used and what each AI request cost. If something breaks, Sentry records the error. If the iPhone app crashes, it sends us a crash report saying where in the code it stopped, the app and iOS version, and the phone model. It isn't tied to your account. We remove request bodies, cookies, sign-in headers, dollar amounts and long numbers before anything is sent, and we never record your screen.
How you found us. If you arrive through a referral link, we set a cookie for 30 days so the referral is credited. Your browser also remembers which campaign link brought you here. If you install the iPhone app from an Apple Search Ads ad, Apple tells us which campaign it was, without telling us who you are.
Notifications. If you allow notifications in the iPhone app, we store the device token Apple gives us so we can send them.
How we use it
To run Bord: answering your questions, sending the heads-ups you'd want, and keeping your budgets, charts and net worth up to date.
To keep it working and safe: fixing bugs, preventing abuse and fraud, enforcing rate limits, and keeping records of security events.
To improve it: understanding which features people use, using counts and product events, not by reading your messages for marketing.
To contact you: replies, heads-ups about your accounts, trial and billing reminders, and important notices about your account. We send these by text or in the app.
We never use your data for advertising, we don't sell it, and we don't buy information about you from data brokers.
How Bord uses AI
Bord writes its replies with AI models from Anthropic and OpenAI. Anthropic's Claude handles most replies, and OpenAI's models step in if it's unavailable. OpenAI also transcribes voice notes.
To answer you, we send the provider what the question needs. That usually includes your message and recent conversation, your first name, and the relevant details from your accounts, like balances, account names and merchant names. We never send your account numbers or bank login. We try not to send anything that identifies another person, and we remove people's names from weekly recaps, but a merchant name from your bank can sometimes include a person's name, like a Venmo payment to a friend.
If you send a photo or a voice note, the image or audio goes to the provider so it can be read or transcribed. A photo of a receipt might show your name or the last four digits of your card. If you ask Bord to draft an email reply, part of the email you're replying to goes to the provider.
Under their terms, our AI providers process this only to produce a reply for you. They don't use it to train their models, and where a provider lets us turn off storage of requests, we turn it off. The figures in Bord's replies are calculated by our own code, not by the AI.
Text messages
Bord only texts a phone number after it has texted us first. Our messaging providers, Sendblue for iMessage and Twilio for SMS, carry the messages and see their contents along the way. Anyone who can read your phone can read your thread with Bord, including any balances in it.
We don't share your phone number or your consent to receive texts with anyone for their own marketing. Reply STOP at any time to stop all texts, or HELP for help. Our Messaging Consent page has the details.
How long we keep it
Your account details, connected accounts, messages and transactions are kept until you delete your account or disconnect them.
Some data is deleted automatically: daily balance snapshots, security logs and Plaid connection logs after 90 days, and cached recaps after 14 days. Net worth history is kept for about two years so your charts work.
Payment records are kept for at least seven years, because U.S. tax law requires it. Usage and cost records are kept after you delete your account, but they're no longer connected to you.
Your choices and rights
See or correct your data. Most of it is visible and editable in the app. For a full copy, or to fix something you can't change yourself, email us.
Disconnect an account. Disconnecting a bank in Settings revokes Bord's access at Plaid and deletes that bank's data from our database.
Remove Gmail. Removing Gmail in Connections ends the connection at Composio, revokes its access in your Google Account, and deletes everything Bord kept from your email. You can also revoke Composio's access anytime from your Google Account.
Delete your account. Go to Settings → Security → Delete account. This removes your profile, connected accounts, transactions, messages, Gmail records and sign-in. It also revokes Bord's access at Plaid, Composio (Gmail) and Natural, cancels a web subscription and deletes your customer record at Stripe. If you subscribed through the App Store, cancel it in your Apple subscription settings, since we can't cancel it for you. Payment records and anonymous usage records are kept as described above.
U.S. state privacy rights. Depending on where you live, including California, Virginia, Colorado, Connecticut and other states, you may have the right to know what personal information we have, to get a copy, to correct it, to delete it, and to opt out of its sale, its sharing for targeted advertising, or profiling. We don't sell or share personal information for targeted advertising, and we don't profile you in ways that have legal or similarly significant effects. To make a request, email us. We'll verify it's really you, and you can have an authorized agent ask for you. We'll respond within the time your state's law requires, and if we turn down your request you can appeal by replying to our answer. We won't treat you differently for using these rights.
Europe and the UK. If you're in the EEA or UK, you have the right to access, correct, delete, restrict, move or object to the use of your data. We rely on our contract with you to provide Bord, your consent where we ask for it, and our legitimate interests in keeping Bord secure and working well. You can withdraw consent at any time and complain to your local data protection authority.
Security
We protect your data with encryption in transit and at rest, encrypted access tokens, row-level security on every database table, signed and verified webhooks, and strict limits on sign-in attempts. No system is perfect, though. If you find a security problem, please email us and we'll look into it right away.
Children
Bord is not for anyone under 18. We don't knowingly collect data from children, and if we learn we have, we'll delete it. If you think a child has signed up, please email us.
Where your data is stored
Bord is based in the United States and your data is stored and processed there. If you use Bord from another country, your data is transferred to the U.S. When our providers handle data elsewhere, we rely on standard contractual clauses and their own legal safeguards.
Changes to this policy
When we update this policy, we'll post the new version here and change the date at the top. If a change is significant, like collecting a new kind of data or sharing it with a new kind of company, we'll tell you in the app or by text before it takes effect.
Contact
Questions, data requests and security reports go to help@bord.money. A real person reads every message.