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privacy policy

effective April 24, 2026

what we collect

When you sign up, we collect your phone number. When you connect a bank account through Plaid, we receive read-only transaction data (transaction amounts, dates, merchants, account balances).

how we use your data

We use your transaction data to find waste, catch price increases, and negotiate your bills on your behalf. We use your phone number to send you SMS messages from Keen.

read-only access

Keen can never move money, make payments, or change your account settings. Bank access is strictly read-only via Plaid.

we never sell your data

Your transaction data and phone number are never sold to advertisers, data brokers, or any third party. Period.

service providers

We use Plaid for bank connections, Stripe for payments, and an SMS messaging provider to deliver texts. These providers process data on our behalf under their own privacy policies.

deleting your data

Text Keen with the message "delete my account" and we will permanently delete your account and all associated transaction data within 7 days.

contact

Questions? Email hi@keen.money.