Privacy Policy
Last updated: 2026-08-20
Our approach
Networo (operated by Networo LLC) is privacy-first by design. We do not require your bank credentials, and manual entry is always the default. We collect only what we need to provide the service. We never sell, rent, or share your personal or financial data with third parties for their own use, no data brokers, and we never hand your data to advertisers.
What we store
- Account info from your sign-in provider (email, name) via Clerk.
- The assets, liabilities, and value snapshots you choose to enter.
- Your preferences (currency, goals, reminders).
Who we share data with
We never sell your data. To run the Service, we share the minimum necessary with trusted service providers who process it only on our behalf and only to deliver the product:
- Authentication: Clerk (sign-in and account identity).
- Hosting & database: Vercel (hosting) and Neon (the database where your entries are stored).
- Email: Resend (transactional and optional reminder emails).
- Analytics: PostHog (privacy-respecting product analytics to improve the app).
- Payments: Stripe, only if you subscribe to Pro; we never receive your full card number.
- AI Coach (optional): when you use it, Anthropic processes the financial context you submit to generate a response. It is not used to train models, and it is not sold.
- Bank connections (optional, off by default): Plaid, only if you choose to enable bank sync. You can use Networo fully without it.
These providers are bound by contract to use your data solely to provide their service to us. Sharing data with a service provider to operate the app is not selling it, we never sell, rent, or share your personal or financial data with third parties for their own use, and we never share it with advertisers or data brokers.
The browser extension
The optional Networo browser extension only activates on supported bank websites that you visit. It reads a displayed account balance from the page so you can sync it with one click. It does not read your login credentials, form inputs, or general browsing history, and it never sends data anywhere except to your own Networo account (authorized by a token you can revoke at any time in Settings). The extension stores nothing on its own.
Your control
You can export your data (CSV/PDF), revoke the extension token, or permanently delete your account and all associated data from Settings at any time.
Your rights
Wherever you live, you can ask us to access, correct, export (port), or delete your personal data, and to stop processing it. Most of this is self-service in Settings (export and account deletion); for anything else, email support@networo.com and we’ll respond within the time required by applicable law. We will never charge you or deny you service for exercising these rights. Depending on where you live (for example, the EEA/UK under the GDPR, or California under the CCPA/CPRA), you may have additional rights, including the right to lodge a complaint with your local data-protection authority. We do not sell or share your personal information for cross-context behavioral advertising.
Children’s privacy
Networo is not directed to children. We do not knowingly collect personal data from anyone under 13 (or the minimum age of digital consent in your country). If you believe a child has provided us data, contact us and we will delete it.
Cookies & analytics
We use a small number of first-party cookies needed to run the app (for example, to keep you signed in and to remember a referral link), plus privacy-respecting product analytics. Where the law requires it, we ask for your consent before loading non-essential analytics, and you can change your choice at any time. We do not use third-party advertising or tracking networks.
Contact
Questions about privacy? Email support@networo.com.