# Bank-Level Security - How Warm Protects Your Data

> 256-bit encryption, read-only access, and Plaid's bank-level security trusted by Venmo and Robinhood. Learn how Warm keeps your financial data safe.

Source: https://warm.io/security

# Bank-level security. Your data is safe.

Bank-level locks. You hold the keys. We can look, but we can never touch your money.

### 256-bit Encryption

All data is encrypted in transit using TLS 1.3 and at rest using AES-256, the same standard used by banks and government agencies.

### Read-Only Access

We can only view your transaction data. We can never move money, make payments, or take any actions on your accounts. It's physically impossible.

### No Credential Storage

Your bank username and password are never stored on our servers. Plaid handles authentication directly with your bank.

### Secure Infrastructure

Our infrastructure runs on enterprise-grade cloud providers with SOC 2 compliance, automatic security updates, and 24/7 monitoring.

### Trusted by Millions

We use Plaid for bank connections: the same infrastructure trusted by Venmo, Robinhood, Coinbase, and thousands of other financial apps.

### Your Data, Your Control

You can disconnect your accounts and delete your data at any time. We believe you should always be in control of your financial information.

![Plaid](https://warm.io/logos/institutions/plaid.svg)

## Built on Plaid

Plaid is the gold standard for secure bank connections. They connect over 12,000 financial institutions and power apps used by millions of people. When you connect your bank through Plaid, your credentials go directly to your bank; we never see them. [See all our features](https://warm.io/features.md).

Also trusted by:

## AI that stays in its lane

Our AI assistant helps you understand your finances, but it's designed with privacy at its core. Think of it like a speedometer: it can tell you how fast you're going, but it can't press the gas. It doesn't even know who's driving.

### Opt-In Only

AI never runs in the background. It only sees your data when you ask it a question.

### Anonymous

Sees your numbers, not your name. No emails, no personal details, just financial patterns.

### Read-Only

Can analyze and explain, never act. No transfers, no payments, no account changes. Ever.

## What if something goes wrong?

Fair question. Let's talk about it.

**Short answer: your money stays safe.** Here's why:

-   **No credentials stored.** We never see or save your bank passwords. Even if someone breached our entire database, they couldn't log into your bank.
-   **Read-only access only.** Our connection to your bank is one-way. We can see transactions, but we physically cannot initiate transfers, payments, or any account changes.
-   **Anonymous data.** Transaction data isn't linked to identifying information in a way that's useful to attackers. They'd see spending patterns, not people.
-   **Nothing to steal.** We don't store credit card numbers, social security numbers, or any financial credentials. There's no treasure chest to find.

We built Warm so our worst day is just a headache, not a disaster.

## Common questions

### How does Plaid keep my data secure?

Plaid is a financial technology company that powers the connections between your bank and apps you trust. They use bank-level security including end-to-end encryption, and are regularly audited by third-party security firms. Plaid never shares your credentials with us.

### Can you access my bank account?

No. We only have read-only access to view your transactions and account balances. We cannot initiate transfers, make payments, or modify anything in your accounts. The connection is one-way: we can see your data, but we can't touch it.

### What happens if I want to delete my account?

You can delete your account at any time from the Settings page. When you delete your account, we immediately revoke all bank connections and permanently delete your data from our servers.

### Do you sell my financial data?

Absolutely not. Your financial data is never sold, shared with advertisers, or used for any purpose other than providing you with the Warm service. Your privacy is fundamental to our business.

### What if Warm gets hacked?

Your money stays safe. We don't store bank credentials, we have read-only access, and data isn't linked to identities. Even in a breach, there's nothing to exploit.

## Ready to feel safe about your data?

Your money, your info, your control. Always.

Choose Plus or Pro when you're ready.

[Get Early Access](https://warm.io/waitlist)
