SECURITY & PRIVACY
Your money data, handled with care
Linking a bank should feel safe because it is — when it’s done right. Here’s exactly how Buoy protects your information.
Read-only access
Buoy connects through Plaid and can only read transactions and balances. It can never move money, make payments, or change anything in your accounts.
We never see your password
You log in to your bank through Plaid — your credentials go to your bank, not to us. Buoy never sees or stores your bank login.
Encrypted end to end
Your account data is encrypted both in transit and at rest. You can disconnect any institution at any time, which cuts off access immediately.
You’re the customer, not the product
We earn from subscriptions, not from your data — we never sell or share your financial information. The specifics are in our Privacy Policy.
Powered by Plaid
Buoy links accounts through Plaid — the same connection layer behind apps like Venmo, Robinhood, and Coinbase, used by thousands of banks and finance apps.
Architected, not bolted on
Security wasn’t left for later — it was designed in from day one. It’s the one part of Buoy we’d never put up for a vote.
Common questions
Is Plaid safe?
Plaid is the connection layer thousands of banks and finance apps already rely on to link accounts securely. Using Plaid means Buoy never handles your bank credentials directly.
Can Buoy move my money?
No. The connection is read-only by design — there is no pathway for Buoy to make a payment or transfer.
What happens if I cancel?
You can disconnect your accounts and close your account at any time. There’s no lock-in.