Privacy Policy

How Prosperus handles your information.

Effective date: November 9th 2026 · Last updated: November 9th 2026

Prosperus is a financial wellness benefit that employers offer their teams. This policy explains, in plain language, what we collect, why, who can see it, and the real controls you have over it — because a benefit nobody trusts is a benefit nobody uses.

The short version

We connect to your bank accounts (with your explicit consent, through Plaid) to help you track spending and reach your goals. Your employer can see whether you've signed up and whether you're using the product — never your balances, transactions, budgets, or anything you ask our AI assistant. You own the spreadsheet Prosperus builds for you, and it's yours to keep even if you change jobs.

1. Who we are

Prosperus (referred to as “Prosperus,” “we,” “us,” or “our”) is a financial wellness platform offered to employees through their employer as a workplace benefit. This policy applies to everyone who uses Prosperus — employees who connect their accounts and use the product day to day, and employer administrators who manage the benefit for their organization.

If you're an employee, your employer chose to offer Prosperus as a benefit, but Prosperus — not your employer — is the one processing your financial account information, under the terms of this policy.

2. Information we collect

Account information

When you create a Prosperus account, we collect your name and email address. If you were invited by your employer, we also associate your account with their organization so your participation can be counted toward that employer's benefit.

Financial account information

If you choose to connect a bank, credit card, or investment account, we use Plaid, a third-party service, to securely retrieve:

  • Account balances
  • Transaction history (date, amount, merchant, and category)
  • Account and institution names

We never see or store your online banking username or password. That information is entered directly with Plaid and your financial institution, and Plaid does not share it with us. For privacy information regarding Plaid go directly to their website.

Information in your Google Sheet

When you connect an account, Prosperus organizes your transactions and balances into a personal spreadsheet using the Google Sheets API. This sheet is created and owned within your own Google account (or a Prosperus-provisioned copy tied to your Prosperus account, depending on your setup) and reflects the financial data described above.

Conversations with our AI assistant

If you use Prossy, our AI financial assistant, we process the questions you ask and the figures from your own sheet needed to answer them, in order to generate a response. See Section 7 for more detail on how this works and who can see it.

Usage information

We collect information about how you use Prosperus — for example, when you log in, open the assistant, view your dashboard, or connect a bank account. This is used to measure product engagement (including for employer-level pilot reporting, described in Section 4) and to maintain and improve the product.

Information employers provide

If you're an employer administrator, we collect the information needed to set up and manage your organization's benefit: your name, work email, company name, and the list of employees you invite (name and work email address for each).

3. How we use your information

We use the information described above to:

  • Provide the core product: syncing your accounts, organizing your data, and powering the AI assistant
  • Maintain your account and authenticate you when you log in
  • Communicate with you about your account, including security notices and, if you opt in, product updates
  • Measure and report aggregate engagement to your employer, as described in Section 4
  • Detect, prevent, and address fraud, abuse, or technical issues
  • Comply with legal obligations

We do not sell your personal information. We do not use your financial data to build advertising profiles, and we do not share your financial data with data brokers.

4. What your employer can and cannot see

Because Prosperus is offered through your employer, it's important to be specific about the boundary between what they can and cannot see. This boundary is built into how our systems work, not just a policy we've written down.

Employers CAN see

  • Whether you've been invited and signed up
  • Aggregate participation and engagement statistics for their whole organization
  • Whether you're active in the platform generally

Employers CANNOT see, ever

  • Your account balances
  • Your individual transactions
  • Your budgets, spending categories, or savings goals
  • Anything you've asked Prossy, or any answer it gave you
  • Your bank or account names

Aggregate reporting shown to employers is also suppressed below a minimum group size, so that a small team's individual usage can't be inferred by narrowing a filter (for example, by department) down to one or two people.

There is no view, export, admin setting, or support process in Prosperus that surfaces an individual employee's financial data to an employer, under any circumstance.

5. Who we share information with

We share information only in the following circumstances:

  • Plaid, Inc. — to establish and maintain your bank connection. Plaid's own privacy policy governs its handling of your credentials and the data it retrieves on our behalf.
  • Google — to create and update your personal spreadsheet via the Google Sheets and Google Drive APIs.
  • OpenAI — to power Prossy, our AI assistant. Questions you ask and the figures needed to answer them are sent to OpenAI's API to generate a response. OpenAI does not use API data to train its models.
  • Service providers who help us operate Prosperus — for example, cloud hosting and database infrastructure — under contracts that limit their use of your information to providing services to us.
  • Your employer — limited to the aggregate participation data described in Section 4.
  • Legal and safety — if required by law, legal process, or to protect the rights, property, or safety of Prosperus, our users, or others.
  • Business transfers — if Prosperus is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the protections of this policy.

We do not sell your personal information to third parties.

6. Your spreadsheet and data ownership

A core part of Prosperus is that the spreadsheet built from your financial data is genuinely yours. Unlike many financial apps, where your organized data lives inside a vendor's product and disappears if you stop using it or change jobs, your Prosperus spreadsheet remains accessible to you independent of your employment status or whether you continue using Prosperus.

7. Our AI assistant, Prossy

Prossy answers questions about your finances using the figures already computed in your own spreadsheet — it does not have independent access to your raw bank data beyond what's needed to answer your question. Conversations with Prossy are private to you: they are never visible to your employer, and we do not use your individual conversations to train AI models.

8. How we protect your information

We use a combination of technical and organizational measures to protect your information, including:

  • Encryption of sensitive data, including financial account access tokens, at rest
  • Encryption of data in transit using industry-standard protocols
  • Row-level access controls that restrict each user's access to their own data at the database level
  • Structural separation between individual user data and the aggregate views available to employers, so that no employer-facing feature has a code path capable of returning individual data
  • Rate limiting and monitoring on sensitive endpoints

No method of transmission or storage is 100% secure, and we cannot guarantee absolute security. If we become aware of a breach affecting your personal information, we will notify you as required by applicable law.

9. Data retention

We retain your account and financial information for as long as your account is active, and for a limited period afterward as needed to comply with legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your account and associated data at any time, as described in Section 10.

10. Your choices and rights

You have the following choices and rights regarding your information:

  • Access and correction — you can review and update your account information at any time from your settings.
  • Disconnect a bank account — you can disconnect any connected financial account at any time; we will stop retrieving new data from it going forward.
  • Delete your account — you can request deletion of your Prosperus account and associated data by contacting us at the email below.
  • Export your data — your financial spreadsheet remains accessible to you as described in Section 6.

Depending on where you live, you may have additional rights under applicable privacy law, such as the right to know what personal information we've collected, the right to opt out of certain uses, or the right to lodge a complaint with a supervisory authority. Contact us using the information in Section 13 to exercise these rights.

11. Children's privacy

Prosperus is intended for use by employees aged 18 and older, accessed through an employer-sponsored benefit. We do not knowingly collect personal information from anyone under 18.

12. Changes to this policy

We may update this policy from time to time. If we make material changes, we will notify you by email or through the product before the changes take effect. Your continued use of Prosperus after a change takes effect constitutes acceptance of the updated policy.

13. Contact us

If you have questions about this policy or how we handle your information, contact us at:

Prosperus LLC
contact@aiprosper.us