Privacy Policy
Last updated: July 30, 2026
This Privacy Policy describes how Remy ("Remy," "we," "us," or "our") collects, uses, discloses, and protects personal information when you:
- Visit the Remy website
- Join the waitlist
- Create or use a Remy account
- Connect a financial account
- Communicate with Remy
- Use Remy's financial insights and coaching features
In this policy, "personal information" means information that identifies, relates to, describes, or can reasonably be associated with an individual.
1. Our Privacy Commitment
Your financial information is personal, and protecting it is important to us. We believe you should understand what information you share with Remy, why we collect it, and how we use it. We design Remy to collect only the information needed to provide the features you choose to use, and we use appropriate safeguards designed to help protect your information.
2. Scope and Who We Are
Remy provides a website, waitlist, and financial coaching platform that helps people understand spending patterns, cash flow, goals, and related financial habits.
Remy provides informational financial coaching tools. Remy's services do not constitute financial, investment, legal, tax, or accounting advice.
For privacy questions, rights requests, or complaints, contact us at remy@bankwithremy.com.
3. Information We Collect
The information we collect depends on how you interact with Remy.
Information You Provide Directly
We may collect information you provide, including:
- First and last name
- Email address
- Account-registration information
- Waitlist information
- Onboarding and profile information, such as financial goals, income details, pay frequency, spending preferences, and savings or debt-related details you enter
- Support requests and other communications you send to us
We do not intentionally collect government identification numbers, biometric information, precise geolocation, or payment-card numbers through the features described in this policy.
Information From Connected Financial Accounts
If you choose to connect a financial account, we may receive information through Plaid Inc. ("Plaid") that you authorize. Depending on the financial institution, account type, available Plaid products, and permissions you grant, this may include:
- Financial institution and account names
- Account types
- Account balances
- Transaction history, including dates and amounts
- Merchant, payee, and payment descriptions
- Account identifiers
- Income-related information
- Liability information, including student-loan information when authorized
- Account-connection status and synchronization information
- Other authorized financial information needed to provide Remy's features
Remy does not receive or store your online banking username or password.
Information Collected Automatically
When you use our website or application, we and our service providers may automatically collect certain technical and usage information, such as:
- IP address
- Browser type and device type
- Operating system
- Pages or screens viewed and approximate dates and times of access
- Referring URLs and basic navigation paths
- Feature interactions on our website or app
- Error, diagnostic, and security-related logs generated while operating our services
- Cookie and similar-technology information used to operate and measure the website (see Cookies and Similar Technologies)
Information From Service Providers and Other Sources
We may also receive information from:
- Plaid and, through Plaid, connected financial institutions when you authorize a connection
- Authentication, database, hosting, email, and analytics providers that help us operate Remy
- Your communications with us
4. Plaid and Financial-Account Connections
Remy uses Plaid Inc. ("Plaid") to help users connect financial accounts and authorize the transfer of financial information to Remy.
When you connect an account, Plaid may collect information from you and your financial institution and share authorized information with Remy so we can provide the features you request.
We may use Plaid-provided information to:
- Display connected financial accounts and activity
- Analyze transactions, spending patterns, and cash flow
- Identify recurring income, bills, subscriptions, and transfers
- Generate personalized financial insights and coaching
- Track savings goals, debt, and financial progress
- Detect meaningful changes in financial activity
- Maintain, secure, troubleshoot, and improve connected-account features
Plaid independently collects, uses, retains, and shares information in accordance with Plaid's own privacy practices.
By choosing to connect a financial account, you authorize Plaid to establish and maintain the connection with your financial institution and authorize Plaid to share the financial information you select with Remy. You authorize Remy to receive and use that information to provide the features you request, as described in this Privacy Policy and Plaid's End User Privacy Policy.
5. How We Use Personal Information
We use personal information to:
- Provide, operate, and maintain the website and application
- Create, authenticate, manage, and secure user accounts
- Manage waitlist registrations
- Connect and synchronize authorized financial accounts
- Display financial-account and transaction information
- Analyze spending patterns, cash flow, recurring income, bills, subscriptions, savings progress, debt, goals, and other financial trends
- Generate personalized financial insights and AI-powered coaching
- Personalize your experience in Remy
- Communicate about your account, security, support, service updates, and product changes
- Send product-related or promotional communications when applicable (see Communications and Marketing Choices)
- Respond to questions and support requests
- Troubleshoot errors and improve reliability
- Protect against fraud, abuse, unauthorized access, and security incidents
- Enforce applicable terms and policies
- Comply with legal obligations and lawful requests
- Establish, exercise, or defend legal claims
We do not use your financial information to make lending, creditworthiness, insurance, employment, housing, or similar eligibility decisions about you.
6. AI-Powered Features and Automated Analysis
Remy uses automated systems and artificial intelligence to:
- Analyze information you provide and authorize us to access
- Detect patterns and recurring financial activity
- Produce financial summaries, predictions, insights, and coaching
Remy uses AI to help identify spending patterns, recurring income, bills, subscriptions, savings opportunities, and other financial insights. While we work to provide helpful and accurate guidance, AI-generated insights may occasionally be incomplete or inaccurate. You should review important financial information and use your own judgment before making financial decisions. Remy's insights are informational and educational and do not constitute financial, investment, legal, tax, or accounting advice.
We do not use these systems to make legal or similarly significant eligibility decisions about you.
7. How We Disclose Personal Information
We may disclose personal information in the circumstances described below.
Service Providers
We work with service providers that help us operate Remy, including:
- Plaid: financial-account connectivity and authorized financial-data services
- Supabase: authentication, database, and cloud infrastructure
- Vercel: website and application hosting and website analytics
- Resend: transactional email delivery
These providers receive information as needed to perform services for us and may process information under contractual obligations or their own applicable privacy terms, depending on their role.
At Your Direction or With Consent
We may disclose information when you direct us to do so or take an action that requires disclosure, such as connecting a financial account through Plaid.
Legal, Safety, and Compliance Purposes
We may disclose information when reasonably necessary to:
- Comply with applicable law, regulation, legal process, court order, or lawful governmental request
- Detect, investigate, or prevent fraud, security incidents, illegal activity, or misuse
- Protect Remy, our users, or others
- Enforce our agreements and policies
- Establish or defend legal claims
Business Transactions
If we are involved in a merger, acquisition, financing, restructuring, bankruptcy, or sale of all or part of our business, personal information may be transferred as part of that transaction, subject to applicable law and appropriate safeguards.
Professional Advisers
We may disclose information to lawyers, accountants, auditors, insurers, or other professional advisers where reasonably necessary for their services to Remy.
We do not sell your personal information.
Our website uses Vercel Analytics to understand aggregate site usage. We do not operate third-party advertising networks or cross-context behavioural advertising on the Remy website based on our current configuration.
9. Communications and Marketing Choices
We may send service, account, security, and transactional messages, such as waitlist confirmation emails and messages needed to operate your account. You may not be able to opt out of essential service messages while maintaining an account or waitlist registration.
If we send marketing or promotional emails, those messages will include an unsubscribe method where required. You may also contact remy@bankwithremy.com about your communication preferences.
10. Data Retention
We retain personal information only for as long as reasonably necessary to:
- Provide the service
- Maintain accounts and waitlist registrations
- Fulfil the purposes described in this policy
- Support security and fraud prevention
- Resolve disputes and enforce agreements
- Maintain required business records
- Comply with legal obligations
Retention periods vary by the type of information and the context in which it was collected.
Account deletion may not result in immediate deletion from active systems during processing, backups retained for limited periods, security and audit records, or records we must retain by law or for legitimate legal purposes.
11. Connecting, Disconnecting, and Deleting Accounts
In the Remy application, you may disconnect a connected financial account where that control is available. Disconnecting an account is intended to stop future synchronization of financial data from that connection. It does not necessarily delete information Remy previously received from that account.
You may request deletion of your Remy account and personal information through the in-app account deletion request process or by emailing remy@bankwithremy.com. Deletion requests may be processed after submission and may not complete instantly.
We may retain limited information where required or permitted by law. Deleting a Remy account does not necessarily delete data held independently by Plaid or your financial institution. For choices about information controlled independently by Plaid, review Plaid's privacy tools and the Plaid End User Privacy Policy.
12. International and Cross-Border Processing
Remy and our service providers may process or store personal information outside your province or country of residence, including in the United States, where providers such as hosting, database, email, and financial-connectivity services may operate.
Information processed in another jurisdiction may be subject to that jurisdiction's laws and may be accessible to courts, law enforcement, or government authorities under applicable law.
We take reasonable measures designed to protect personal information when it is transferred internationally. We do not promise that all information remains in Canada.
13. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information. Depending on the system and data type, these measures may include:
- Encryption of data in transit using HTTPS/TLS
- Encryption of sensitive information at rest where applicable
- Secure authentication and access controls
- Restricted administrative access based on business need
- Security logging and monitoring
- Ongoing dependency and vulnerability management
Remy does not receive or store your online banking username or password.
No method of transmission over the Internet or method of electronic storage is completely secure. We cannot guarantee absolute security.
14. Third-Party Services and Links
Our website or application may contain links to or integrations with services that we do not control. Those services' privacy practices are governed by their own policies, and you should review them.
Linking to or integrating with a third-party service does not mean we control or endorse that service's privacy practices. Our use of Plaid for financial-account connections is described separately in this policy.
15. Privacy Rights and Choices
Depending on where you live, you may have rights regarding your personal information, including rights to:
- Access personal information we hold about you
- Correct inaccurate information
- Request deletion
- Withdraw consent where processing depends on consent
- Object to or restrict certain processing where applicable
- Data portability where applicable
- Information about how personal information is used or disclosed
- Complain to a privacy regulator responsible for your jurisdiction
You may withdraw consent to certain processing, subject to legal or contractual restrictions and reasonable notice. Withdrawing consent may prevent us from providing features that require the affected information, including connected-account and personalized coaching features.
These rights are not absolute and may be limited by law. To exercise a privacy right, contact remy@bankwithremy.com.
16. Verification and Authorized Representatives
Before fulfilling certain requests, such as access, correction, portability, or deletion, we may need to verify your identity. We will request only information reasonably necessary for verification.
Where permitted by law, an authorized representative may submit a request on your behalf. We may require evidence of authorization and may still need to verify you directly.
17. Children's Privacy
Remy is not intended for young children, and we do not knowingly collect personal information from children in violation of applicable law.
If we become aware that we have collected personal information from a child where parental consent was required but not obtained, we will take reasonable steps to delete the information or otherwise comply with applicable legal requirements.
If you believe a child has provided us with personal information inappropriately, please contact us at remy@bankwithremy.com.
18. Changes to This Privacy Policy
We may update this Privacy Policy as our services, practices, or legal obligations change. When we do, we will revise the "Last updated" date at the top of this page.
For material changes, we may provide notice through the website, the Remy application, or email where appropriate or legally required.
Where required by law, we will request consent before applying a material change to information already collected.
19. Contact and Privacy Complaints
Remy
Email: remy@bankwithremy.com
You may contact us about:
- Privacy questions
- Rights requests
- Consent withdrawal requests
- Complaints
- Concerns about how we handle personal information
We encourage you to contact us first so we can try to resolve your concern. If you are not satisfied with our response, you may have the right to contact the privacy regulator responsible for your jurisdiction. In Canada, this may include the Office of the Privacy Commissioner of Canada or an applicable provincial privacy regulator.