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Security

Security is not optional

Your financial data is handled with the same care we use for our own, from the bank connection through storage.
Security screen: account protection, encryption, and a new device approved in Denver

How we handle data

How your data is stored, encrypted, and accessed
  • Audited providers

    We host with DigitalOcean and use Cloudflare, providers that undergo independent security audits such as SOC 2.

  • Encryption by default

    Connections use TLS. The app is not a bank.

  • Privacy duties

    Our handling of personal information follows applicable U.S. privacy requirements.
  • Controlled access

    Internal access to data is limited and logged, and only people who need it can see it.

How we protect your data

Several layers of protection work together to keep your financial information safe
  • Layered encryption

    Your data is encrypted at rest and in transit, with keys managed separately from the rest of the infrastructure.
  • Encrypted channels

    Every connection between your device and our servers is encrypted with TLS.
  • No credentials in plain text

    Your bank credentials are never stored in readable text, and our team cannot look them up.

  • Logged access

    Our servers sit with audited providers, and access is logged.
  • Stronger sign-in

    Your account can be protected with a second step, beyond the password.

  • Limited bank access

    The connection to your bank accounts is read-only. The app cannot start a payment.

Privacy

Two ideas behind every use of personal information

Legal framework

  • Follows applicable U.S. privacy law
  • A current record of processing
  • Defined retention periods
  • Rights to access and delete

Privacy by design

  • Collect only what we need
  • Anonymize when we can
  • We do not sell personal information
  • Transparency about service providers

Our commitments in numbers

Encryption
256-bit
Staff access
Logged
Bank access
Read only

Report a vulnerability

If you find a security weakness in our products, a quick report helps us protect every user.

That includes weaknesses in third-party components inside our products, not only our own code.
Form

Support

Describe the issue in the usual support form, and say that it is a security report.

Contact support
Email

Direct

Email us directly if you want a detailed written exchange with the technical team.

[email protected]

What we commit to

Plain commitments about how Bo&Nyckel handles your financial data
  • Read-only access: no payments from the app
  • Built for households in the United States
  • We do not sell personal information