Privacy, in plain language.
Effective July 15, 2026. Bearing is designed to show you your financial picture without turning that picture into an advertising product.
What we collect
We collect the email address you use to join the waitlist or sign in; your waitlist join order, referral code, referral relationships, and campaign attribution; short-lived hashed network identifiers used to prevent abuse; onboarding answers you choose to save; account, balance, holding, transaction, liability, and optional property-address records you link, snap, enter, or attest to; product settings; and security and usage events needed to operate and protect the service.
How account connections work
Plaid handles institution authentication. Bearing receives provider tokens and financial records, not your bank password. Provider tokens are encrypted at rest and are never sent back to your browser. Account numbers are not intentionally stored; limited account masks may be retained to identify and deduplicate accounts.
How Snap works
Uploaded screenshots are read in memory to extract financial facts. The image itself is not written to durable storage and is discarded after processing. We instruct the extraction system to ignore names, addresses, Social Security numbers, routing numbers, and account numbers. You review extracted facts before they are filed.
How AI is used
AI reads documents and drafts prose from a facts pack. Application code calculates every displayed figure. Model providers receive only the information needed for the specific job. We do not permit models to create financial facts or perform displayed arithmetic.
How we use information
We use it to manage the early-access waitlist and referral order, deliver waitlist status, authentication, and Brief emails, operate Bearing, generate your requested reports, keep connections current, prevent abuse, measure product reliability, and meet legal obligations. We do not sell personal information or use your financial records for targeted advertising.
Retention and deletion
Waitlist entries remain while early access is being administered or until removal is requested, subject to narrowly required security and fraud-prevention records. Hashed waitlist request logs are removed on a rolling 30-day schedule. Financial facts remain until you delete them or your account, subject to narrowly required security, fraud-prevention, and legal records. Snap images are not retained. Expired authentication records and sessions are removed on a rolling schedule. Account deletion removes user-owned records and provider tokens. Backup retirement may take additional time and must be documented before public launch.
When you ask Bearing to find fund costs, Bearing sends the fund ticker—not your identity, balances, account name, or holdings value—to public SEC data services and stores the matched filing URL, date, and expense ratio.
Your controls
You can export your records, change Brief cadence, disconnect providers, correct manual or snapped data, and delete your account from Settings. Contact and jurisdiction-specific request instructions must be added before public launch.
Service providers
Expected providers include hosting and database infrastructure, Plaid for aggregation, Resend for email, and an AI model provider for the limited jobs described above. The final production list and data-processing terms must be reviewed before launch.