Your accounts, your data, your control
When you connect a bank or card to My Retirement Coach, we do it the safe way: through Plaid, read only, and always under your control. Here is exactly how it works, in plain English.
We never see your password
You log in with your bank through Plaid. Your username and password are never shared with us.
Read only
We can read your transactions and balances to organize them. That's it.
We can't move money
The connection cannot make payments, transfers, or trades. Ever.
Disconnect anytime
One click removes the connection and stops all future syncing.
How connecting an account works
You choose to connect. Inside My Retirement Coach, you pick your bank or card and start the secure connection.
You log in with your bank through Plaid. A secure Plaid window opens and you sign in directly with your financial institution. My Retirement Coach never sees or stores your bank username or password.
Your accounts start organizing themselves. With your permission, we read your balances and transaction history and turn them into a clear picture: recurring bills, subscriptions, income, and cash flow.
It stays current. New transactions flow in automatically so your picture stays up to date, until you disconnect.
Why we use Plaid
Plaid is a trusted service that securely connects apps to financial institutions. Thousands of financial apps use Plaid so that products like ours never have to handle your banking login directly. When you connect through Plaid, you authenticate with your own bank, and Plaid provides us with read only financial data based on your consent. You can read Plaid's own privacy policy at plaid.com/legal.
What we can and cannot do
- We can read your account balances and transaction history to organize bills, subscriptions, income, spending, and cash flow.
- We cannot see or store your bank username or password.
- We cannot move money, make payments, or place trades.
- We do not sell your financial data or use it for advertising.
How to disconnect an institution
You are always in control. Inside My Retirement Coach, open your connected accounts and choose Disconnect on any institution. When you do, we remove the connection at Plaid, delete the stored access credential for that connection, and stop retrieving new data. Your existing history remains in your account unless you also ask us to delete it.
How to delete your data
To delete your account and associated data, email support@meetmrc.com from the address on your account. We will remove your data except where we are required to keep it for legal or legitimate business reasons.
How your financial data is protected
- Encrypted in transit. Connections between you, our app, and our providers use TLS encryption.
- Encrypted at rest. The secure token used to sync your accounts is encrypted before it is stored, and it is never exposed to your browser.
- Private to you. Your data is scoped to your account so no other user can access it.
- Verified updates. Automatic account update notifications are cryptographically verified before we act on them.