Kenoo Finance uses Plaid Inc. ("Plaid") to connect the bank and card accounts you choose. When you connect an account, you sign in to your financial institution through Plaid's interface; Kenoo never receives or stores your bank username or password. By connecting an account, you authorize Plaid to collect data from your financial institution and share it with Kenoo, and you agree to Plaid's processing of your information in accordance with the Plaid End User Privacy Policy (https://plaid.com/legal/#end-user-privacy-policy).
Through Plaid, Kenoo receives account names, types, masked account numbers, balances, and transaction history for the accounts you connect, and it keeps them up to date through periodic and Plaid-initiated syncs. You can also connect a Stripe account through Stripe Connect so that Kenoo can read your Stripe balance transactions (such as charges, refunds, fees, and payouts). Although Stripe may grant Kenoo broader permissions, Kenoo only reads this data and does not create charges, refunds, or transfers in your Stripe account.
We use this financial data only to provide Finance to you and your workspace: importing transactions, suggesting categories for your review, recording the entries you approve in your books, reconciling accounts, and producing reports. Category suggestions are not posted to your books until a person in your workspace confirms them. We do not sell financial data, do not use it for advertising, and do not share it with third parties except the service providers that help us operate Finance. Plaid and Stripe access tokens are kept in restricted storage that only Kenoo's servers can read, encrypted in transit and at rest.
You can disconnect a bank or Stripe connection at any time in Finance settings. When you do, we revoke the connection with Plaid or Stripe, delete its access tokens, and stop collecting new data from it; transactions and entries already recorded in your books stay in your workspace until you delete them or close your account, subject to Section 20.
Separately, invoice and payout features in other Kenoo apps may share bank and KYC-related details with Wise or other payout providers to create and manage recipients and transfers.
Invoice features may generate shareable links or tokens that allow recipients to view or download invoice PDFs. Anyone with the link may be able to access that invoice, so treat share links as confidential.