Privacy

Last updated November 9, 2026. Keel is made and run in Miami, Florida. Questions: hello@keelconnect.app.

Keel shows you your money: what you have, what is coming in and going out, and where that leaves you each day. To do that it keeps some information about you. This page says what, where, and what happens to it.

What Keel keeps

• Your account: your name, your email address and a scrambled form of your password (never the password itself).
• What you type in: your bills, paychecks, one-time items, categories, the balance you enter and the settings you choose.
• From your bank, if you link one: account balances and transactions (date, amount, description, pending or posted) for the accounts you choose, going back up to two years, kept up to date while the link is on. The link is made through Plaid, which connects to your bank for you. Keel never sees or stores your bank username or password; Plaid handles the sign-in. Plaid's own privacy policy covers what Plaid does.
• Spreadsheets you upload (bank or card exports): the lines in them, the same way.
• Sign-in details: a sign-in cookie on your device, and for a short time the address a sign-in came from (to stop password guessing). Nothing is used to track you across other sites, and there are no ads or analytics.
• Emails: a code when you sign up or reset your password, and invites you send. Nothing else.
• Place names, when the copy you use has it turned on: for places your bank didn't type or name, Keel sends the statement text alone (the merchant line, as your bank wrote it) to Anthropic's Claude to get an everyday name and a kind (a grocery store, a coffee shop). Never an amount, a date, a balance or an account. Each place is asked about once and the answer is kept with your data. The switch "Ask Claude about new places" in the You sheet turns it off.

Where it lives

On a server rented from Fly.io in the United States, in a storage volume that only Keel can read. Your data is kept apart from every other person's: nobody else who uses Keel can see your numbers in the app. Plaid keeps its own copy of the bank connection on its systems. Backups of the server's storage are made by Fly.io and kept for a few days.

The person who runs this copy of Keel can technically reach the server and its files. They do not look at your numbers, sell them, or share them with anyone, except when the law requires it.

What it is used for

Only to show you your own money and forecast, on the website and in your widgets. Your transactions are categorised by rules on the server; they are not sent to any advertising, scoring or AI service.

Your choices

• Unlink a bank any time from Data & settings, Bank links: the connection is closed at Plaid and its transactions stop updating.
• Download your data from Data & settings (Export).
• Delete your account from Data & settings, Your account, Leave. Your data is removed from the server and your bank links are closed at Plaid right away; backups fall away within a few days.

Children

Keel is not for anyone under 18.

Changes

If this page changes in a way that matters, you will see a note when you sign in.

This page is a plain-language draft for the person running Keel to review and complete before the app is published. It is not legal advice.