Legal · Privacy

Privacy Policy

Last updated: 07/07/2026

In short

We collect only what powers your budget, net worth, and account features — nothing more.
We never sell or rent your data, financial or otherwise, to anyone, for any reason.
Connecting an account through Plaid always shows you what's shared first, and you approve it.
You can remove any account, entry, or your whole profile whenever you want.

This policy explains what information Arko ("we," "us") collects when you use the app, why we collect it, and what control you have over it. Arko is a personal budgeting and net worth tracking application.

Information we collect

Category	Examples	Source
Account information	Email address, password (hashed, never stored in plain text)	You, at signup
Financial account data	Balances, account type, institution name, and — where enabled — transaction history	Plaid, only for accounts you explicitly connect
Budget and tracking data	Categories, amounts, notes you enter manually	You, directly
Payment information	Processed for paid tier subscriptions and lifetime purchases	Our payment processor (Stripe) — we don't store card details ourselves

How we use your information

To provide the core features you're using Arko for: budgeting, net worth tracking, and account aggregation.
To detect recurring bills, subscriptions, and income when you've connected accounts with Transactions enabled — this detection is automatic, but nothing is added to your budget without your explicit approval.
To communicate with you about your account, such as password resets or service updates.

We do not sell or rent your personal or financial information to any third party, for any purpose, ever. Data obtained via Plaid is used exclusively to power features within Arko itself, for the account holder it belongs to.

Data retention and deletion

We retain your data for as long as your account is active, so the app continues to work as expected.
You can remove any individual linked account, budget period, or log entry at any time — these deletions are immediate and permanent.
If you'd like your entire account and all associated data deleted, contact us at contact@arkofinance.com and we will delete it within 1-3 business days, except where we're required to retain limited records by law (e.g., payment records for tax purposes).
Removing a linked account fully disconnects it — both from Arko and from Plaid's access to that institution — once it's the last account tied to that connection.
If a free trial ends without upgrading to a paid tier, any connected financial accounts are automatically and fully disconnected (revoked at Plaid's end, not just hidden), since connected accounts are a paid-tier feature. Manually entered budget data is not affected.

Security

We use industry-standard practices to protect your data, including encryption in transit (TLS) and at rest, and restricted access to systems that store financial data. Details are available in our Security Policy on request.

Your rights

Depending on where you live, you may have rights to access, correct, delete, or export your personal data, and to object to certain processing. To exercise any of these rights, contact us at contact@arkofinance.com.

Changes to this policy

We'll update this page when our practices change. Material changes will be communicated to you directly.

Contact

Questions about this policy or your data: contact@arkofinance.com