Your money, your business.

01 Your bank connection is optional — and off by default

The heart of Unicorn Money is manual. You type in your numbers. No background sync, no auto-import, nothing watching your account in the dark. It's a little more work than apps that vacuum up every transaction, and we think that's the point: the friction is where the budgeting actually happens.

For people who want help staying caught up, we offer an optional paid add-on (Una+) that connects to your bank through Plaid — the same secure connector most banks and fintech apps use. We built it to be as narrow as we possibly could:

• You start every connection, and you decide what to do with it.Nothing syncs in the background. We don't run scheduled pulls, we don't watch your account, and we never import a transaction you didn't choose to log.
• Read-only. Always.The connection can check a balance and fetch recent transactions when you ask it to — and that's the ceiling. Unicorn Money still cannot move a single dollar, because we never ask your bank for the ability to.
• Point-in-time, not a feed.When you reconcile, we read your balance once to show you where you stand, then let it go. When you catch up, we fetch recent transactions and you check the boxes worth keeping — the rest disappears.

And if you never want any of this, you never have to touch it. The base product works exactly as it always has, with no bank connection at all.

02 We don't sell your data. We don't have data to sell.

Unicorn Money makes money one way: a small subscription paid by you. We don't run ads. We don't sell aggregated data to hedge funds or "data shops." We don't pass anonymized spending patterns to anyone. We don't use your budget to train models. We don't have anything to sell because the only people we want as customers are the people using the app.

If we ever change that, we'll tell you in plain language before it happens, not in a 14,000-word policy update at 2am.

03 How your data is stored

• Encrypted in transit and at rest.Every byte between your device and our servers travels over TLS. Everything stored is encrypted at rest using AES-256, the standard banks use.
• Hosted on Supabase (US).Supabase is SOC 2 Type 2 certified. The infrastructure underneath is the same boring, audited cloud stack used by most modern fintech.
• Isolated per household.Row-level security policies at the database make it structurally impossible for one household to read another household's data, even by guessing IDs.
• Per-user privacy inside a household.Your private chats with Una are scoped to you. Your partner can't read them unless you tap "Share to Feed."
• Modern auth.Email and password handled by Supabase Auth. Passwords are hashed and salted properly. We never see them.
• Bank connections are sealed.If you use the optional Plaid connection, the access token behind it is stored server-side only, in a locked-down table your browser can never read — and it's removed when you delete your account.

04 Una and AI

Una, the AI companion inside the app, is powered by Claude, made by Anthropic. When you message Una, the relevant slice of your budget is sent to Anthropic's API so Claude can answer intelligently.

We use Anthropic's commercial API, not the consumer Claude.ai product. That distinction matters:

• Your chats are not used to train AI models.Anthropic's commercial terms prohibit this by default. There is no opt-in step where this could accidentally turn on.
• Logs are short-lived.Anthropic deletes API logs within 30 days under their standard policy.
• You can ask Una nothing.If you'd rather not have any messages flow to Anthropic, just don't use the chat feature. Everything else in Unicorn Money works without it.

Two more AI services power Una's voice, and we hold them to the same standard:

• Una's voice comes from ElevenLabs.When Una speaks aloud, we send the text of her replies to ElevenLabs to turn into audio — never your own voice recordings. We've opted out of ElevenLabs using this data to train its models, and it isn't used for advertising.
• Your speech is transcribed by your device or browser.When you talk to Una, your audio is converted to text by Apple or Google, depending on your platform. On iPhone this happens on your device where supported, so the audio never leaves your phone. We use it only to turn your speech into words for Una — never for advertising.

We mention all of this because we couldn't find a single competitor who's transparent about how their AI features work. We'd rather you know.

05 When we look at your data

We need to be honest about this part, because every other privacy page glides past it.

As the operators of Unicorn Money, we technically have administrative access to the database. We don't routinely look at user data. There's no dashboard where we browse your bills for fun, and we make no money from doing it. But if you write to us saying "my January budget vanished, please help," we may need to look at your records to fix the problem. We'll only do that with your permission, and only for as long as it takes to solve the issue.

06 Your data, your call

You can delete your household at any time from inside the app. When you do, we give you a short grace period — about 30 days — in case you change your mind or tapped it by accident; sign back in during that window and nothing is lost. After that, your data is permanently deleted from our database, and any copies sitting in backups cycle out as those backups roll over. We don't keep ghost copies, and we don't try to talk you out of it.

You can also export your budget as a CSV any time you like. Your money history belongs to you, not to us.