Your bank
Your bank password stays at your bank.
You sign in at your bank. Warm never gets your bank username or password.
You control access to your data.
You control which accounts connect and whether AI can access your data.
Does Warm see my bank password?
No.
You sign in at your bank. Warm never gets your bank username or password.
Can Warm move money?
No.
Warm cannot send money, pay bills, or change your bank accounts.
How your data moves
Read-only
Warm
Warm cannot move money.
Warm cannot pay bills, send transfers, or change your bank accounts. We do not sell your data or use it to train AI.
Only if you connect
Your AI tool
AI access stays off until you turn it on.
Your AI tool may send financial data to its provider. That provider sets its own retention and training rules.
Full control.
Disconnect a bank whenever you want.
Stop AI access.
Delete its key in Settings → Export & API.
Take your data with you.
Export your data anytime.
AI access is up to you.
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How does AI access work?
AI access stays off until you turn it on. Your key gives your tool full access to Warm's API. It can read data and request changes to Warm records that you approve. It cannot move money.
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How do I stop AI access?
Delete the key in Settings → Export & API. Deleting the key stops future calls with it. Other keys still work. Your AI provider may keep data it already received.
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Understand your AI provider's access.
The connection runs on your computer. Your AI tool may send financial data to its provider. That provider sets its own data retention and training rules.
Connect only when you want to.
You choose which accounts connect. You can stop AI access at any time.
Warm can see your accounts, but it cannot move money.
Warm connects to 12,000+ banks and financial institutions through Plaid. Warm checked Plaid's institution list on 2026-10-21.