The most common question we get is some version of: what can Lefover actually see about my finances? Here’s the plain-language version. The full details are in our Privacy Policy.
What we see
When you connect a bank account, Lefover receives:
- Your transaction history for that account (cleared and pending transactions, with merchant names, amounts, dates, and pending status).
- Your running balance on the account.
- Account metadata (type: checking or credit; the last four digits of the account number).
From the inflow pattern, we detect your paycheck rhythm. From the outflow pattern, we detect recurring bills. That’s how the safe-to-spend math works.
We also see information you give us directly: the email address you signed up with, any country or preferences you set, and any support messages you send.
What we never see
- Your bank password. It goes directly from you to your bank during the connection step. We never receive it.
- Your full account number. In most cases we only see the last four digits.
- Your routing number. Not shared.
- Authority to move money. The connection is read-only. We can’t transfer money, pay bills, or change anything about your account.
- Two-factor authentication codes. The codes go to your bank, not us.
What we do with what we see
Three things. That’s the list:
- Math. We use your transaction and balance data to calculate your safe-to-spend number, detect recurring bills, and find your paycheck rhythm.
- Notifications. When something we detect would help you (a bill is about to clear, your paycheck arrived, a recurring charge went up), we send you a notice.
- Anomaly detection. If a transaction looks unusual (much larger than your normal pattern, from a new merchant), we flag it for you. We do not flag it for anyone else.
What we never do with what we see
- We never sell your financial data. Not anonymized, not aggregated, not for “product improvement.” Ever.
- We never share it with advertisers. No data goes to advertising networks or data brokers.
- We never use it for purposes other than running Lefover. No “we’ll analyze your spending for our research” arrangement.
AI insights
We use a large-language-model service (Anthropic) to generate the occasional plain-language insight (for example, “your subscriptions went up $14 this month”). When we do:
- We send only the specific transaction patterns relevant to the insight.
- We never send your name, email, or any identifier.
- The service is contractually prohibited from training on our data or retaining it.
You can disable AI insights from Settings → Privacy.
Where the data lives
Your data is stored in the region where you signed up: US data in the US, Canadian data in Canada, UK data in the UK. It does not cross borders.
For full details on storage, encryption, and deletion, see the Security overview or our Privacy Policy.