You’ve told your parents never to give anyone their bank password. Here’s what we can see, and what we can’t.
Read this before you connect anything. Then send it to your brother.
It’s still their money, and their call.
You hear about a charge that doesn’t fit. Paying, moving and deciding stay with them. Every limit below is how the app is built, not a promise to behave.
It can read their account. It can’t touch a dollar.
With their OK, you connect their bank through Plaid, the service many money apps use. They sign in to their bank there, and their password never reaches us. What comes back is read-only: balances and charges, enough to notice the one that doesn’t fit.
There is no button for sending money, because the connection doesn’t carry one. You can disconnect it at any time.
Try it. Ask for something the connection can’t do.
No amount, no store, no bank name. The details wait inside the app.
Your brother sees the bank only if you say so.
Nobody opens your family unless you invite them, and each person gets a role. Viewers can look without changing anything. Only an owner or co-owner can see the bank, and you can keep it to the owner alone.
Take someone off the family and their access ends right then.
Who sees the bank
- EllenOwnerSees the bank
- MichaelCo-ownerSees the bank
- ClaireViewerDoesn’t see the bank
- PatViewerDoesn’t see the bank
A photo of the family quilt shouldn’t carry their address.
Phones write the exact spot a picture was taken into the file. When you add one, the place and time go into your family’s private record, and the location is taken out of the photo itself. It happens on our side, on every photo and video, whatever the phone already did.
The photos aren’t on the open internet. Each time one opens, the app checks that the person asking is still in your family.
- The stored photoNo location
- Your family’s recordKept here, for the family onlyWhere it was taken: 40.1° N, 83.0° W
Sample photo and location.
The big things wait for a code on your phone.
You sign in with a six-digit code we text to your phone. Deleting a family with a bank connected asks for a fresh one first, and so does opening your security settings.
You can also have Bills ask for a code every time. Turning that off again takes a code too, so someone holding your unlocked phone can’t just switch it off.
Delete the Morgan family?
Deleting this family also disconnects its bank. Enter the code we texted you.
Want it all gone? It goes.
Take a copy first if you like, as a PDF or a spreadsheet. Then delete your account yourself, in the app or on the website. No phone call, no form to mail.
Your copy, firstPDFSpreadsheet
A family you own goes for everyone in it. To keep it for the others, make someone else its owner first.
What goes when you delete your account
- Your sign-inAt once
- The bank connectionDisconnected with Plaid first
- Photos, videos and voice recordingsWithin 30 days
- Documents and care recordsWithin 30 days
- Connected calendarsWithin 30 days
What families ask about trust.
The full answers are in the Privacy Policy and the Terms.
Who sees our family’s information?
Only the people you invite, each with the role you give them. Silver Dollar does not sell personal information.
How does the bank connection work?
It’s optional, and it starts with their yes. The connection is read-only through Plaid: it can’t move money or pay a bill, their password never reaches us, and you can disconnect at any time.
What does AI do with their money?
It writes the explanation in plain words, and that’s all. Fixed rules decide whether a charge gets an alert, the same rules for every family, and the explanation never gets the store’s name, the account, a date or anyone’s name.
Which services does Silver Dollar use?
Plaid connects the bank. Google’s Gemini and Voyage AI do the AI work, only for the job at hand, and never to train models offered to others. The Privacy Policy names every service.
Which calendar does it use?
One of its own. When you connect Google or Outlook, Silver Dollar makes one calendar there and reads and writes only that one. Outlook asks for wider permission because Microsoft offers none narrower. Medications never go to any calendar.
How far back does it keep their charges?
Up to 24 months, rolling, while the bank stays connected.
What happens when we disconnect the bank?
The connection closes in the app right away, and its history is deleted within 30 days of Plaid confirming our access is gone.
How do I delete our account?
Yourself, in the app or on the website. Your sign-in ends at once and the rest is removed within 30 days. You can also email us from your account’s address and ask.
Show this page to your parents before you connect anything.
It’s their account and their call. Start with their pills tonight, and leave the bank for when they’re ready.
