Franklin LogoFranklin AI

Privacy and security

Our commitment to you

Franklin AI helps you safely do more with your money. Here's how we deliver on best-in-class security and transparency.

You're always in control

We have read-only permissions and can't access your money, ever.

Bank-level security

We use top encryption protocols and multi-factor authentication to guard your data.

Built for you, not advertisers

Franklin is privacy-first and ad-free. No distractions, just financial clarity.

Built on trust from day one

When we built Franklin AI, we started with a simple truth: your financial data is deeply personal. We saw too many financial apps treating their users as the product — selling data, serving ads, and prioritizing everyone except the people actually using the app.

That's why the privacy and security of your data isn't just a feature we added or a box we check. It's been a core principle since day one, and it always will be. We're committed to building a product and a team that protects your privacy, and to providing transparency about the measures we take to deliver on this promise.

Thanks for trusting us to be a partner on your financial journey.

Industry-leading protocol that protects your data

Authentication protection

  • Multi-factor authentication (MFA)
  • Secure magic link sign-in
  • Google and Apple single sign-on
  • Session management with automatic expiration

Two-way data encryption

  • All data encrypted at rest and in transit
  • AES-256 encryption for stored data
  • TLS 1.2+ protects data during transmission
  • Secures stored data from unauthorized access

Vetted third-party partners

  • Bank connections powered by Plaid, a SOC 2 Type 2 certified provider
  • Partners maintain strict encryption and role-based access controls
  • Regular penetration testing and security audits
  • Industry-leading bug bounty programs

Responsible AI practices

  • Only minimum data necessary is sent to AI providers
  • No data retained by third-party models after processing
  • Your data is never used to train AI models
  • Enterprise agreements prohibit provider data storage or training

Frequently Asked Questions

Can Franklin access or move money in my accounts?
No. Franklin connects to your accounts through Plaid with read-only permissions. We can see your balances and transactions to provide insights, but we can never move, transfer, or withdraw your money.
Does Franklin store my bank login credentials?
No. Your bank login credentials are handled entirely by Plaid, our secure data partner. Franklin never sees or stores your banking passwords.
How does Franklin protect my financial data?
We use AES-256 encryption for data at rest and TLS 1.2+ for data in transit — the same standards used by major financial institutions. We also enforce multi-factor authentication and monitor for unauthorized access attempts.
What safety measures do your third-party partners take?
Our primary data partner, Plaid, maintains SOC 2 Type 2 certification, encrypts all data, enforces role-based access controls, conducts regular penetration testing, and runs one of the strongest bug bounty programs in the industry.
How does Franklin keep my information safe when using AI?
We only send the minimum data necessary for a given task. Your data is not retained or stored by third-party AI providers after processing. We do not allow providers to use your data to train their models. Our enterprise agreements explicitly prohibit data storage or training use by any third-party provider.
Does Franklin sell my data or show me ads?
Never. Franklin is privacy-first and completely ad-free. We will never sell, share, or monetize your personal financial data. Our business model is based on subscriptions, not your data.

Your money. Your data. Your control.

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