Your data, plainly.

From your bank. Purchases from the cards you link through Plaid (merchant, amount, date and time, category) and your account names and balances. Veyla can read; it can never move money.

From your Oura ring. Daily readiness, sleep and activity scores, HRV balance, resting heart rate and stress minutes, plus heart rate around your purchases. Heart rate around a pause is read when needed and not stored.

From Apple Health. If you connect your Apple Watch in the Veyla iPhone app: heart rate, resting heart rate, heart rate variability, minutes asleep and workout times. Veyla only reads Apple Health; it never writes to it, and Health data is never used for advertising.

From you. Your first name and email, your phone’s time zone (so days end at your midnight), the feelings and notes you add to purchases and how they sit with you a week later, how your bank’s purchase times should read if you correct one, evening check-ins, daily intentions, days you mark as special (a holiday, trip or celebration), and the things you pause (what, and how much only for pauses from before Veyla stopped asking).

Your answers, on your account. What pulled you toward something you paused and how it felt at the end, your “How did you wake up?” answers, how the evening felt after a daily intention, purchases you set aside as “Not sure”, your replies to the Weekly Mirror, holidays you said were ordinary days, how you felt after seeing a balance, and Patterns’ record of its daily checks. They’re kept with your account so a new phone or a computer has them too, and they’re deleted with it.

Only on your phone. Simple counts of the days you opened Veyla, and small settings like your last pause length. These never leave the device, and if someone else signs in on the same phone, your answers are cleared from it (they stay safe on your account).

Veyla pairs your mornings with your spending so you can notice what tends to go together. It describes; it doesn’t judge, predict or advise.

Your weekly reflection. The Weekly Mirror, in Insights and by email, is written by Veyla itself from that week’s counts and your own words. Your ring and Apple Watch data and your purchases are never sent to an AI model.

Beta usage, only if you turn it on. During the beta you can choose to share how you use Veyla: which screens you open, whether you opened Veyla from a reminder or on your own, how often you set an intention, tag a purchase or take a pause, how many days of purchases and readings Veyla holds for you, and, with an Apple Watch, on how many of the last 30 mornings it was worn overnight or you answered “How did you wake up?” (counts of days only, never the answer), shown with your first name. It never includes what you bought, amounts, notes, what you paused or any ring or Apple Watch reading. Only Veyla’s founder sees it, to improve the app. It’s off unless you turn it on in Profile, stops the moment you turn it off, and is deleted with your account.

Research summaries, only if you turn it on. Veyla also runs a few questions it’s still testing, such as whether yesterday’s sleep goes with buying today, whether buying changes in the days after a pause or after you say you’d skip a kind of purchase next time, whether feelings are tagged differently after seeing your morning first, whether your morning readings help predict buying beyond your usual habits, whether setting aside days you mark as special changes your Patterns, and how often Patterns finds something when your mornings are paired with spending from weeks away (a check on false findings), along with which version of Patterns your phone runs. They’re worked out on your phone and never shown as findings. If you turn on research sharing in Profile, only their summary numbers (how strongly two things moved together, and how many days or cases) are sent to your account for Veyla’s founder to see across testers. Never a reading, purchase, amount, merchant, feeling, note or week-later answer itself. No AI is involved. It’s off unless you turn it on, stops the moment you turn it off, and is deleted with your account.

Email and reminders. If you turn on the Weekly Mirror email (off unless you do), it comes Sunday evenings from hello@veylamoney.com through Resend, with your week’s counts, what each day came to, words from your own notes and where Patterns stand; its subject and preview never show an amount, a merchant or a reading. Turn it off in Profile › Reflect settings or with the unsubscribe link in any email. If you turn on reminders, your device’s notification token goes through Google Firebase (and, in the iPhone app, Apple’s notification service). That includes the note when a pause is up, which never names the thing or its price, and the morning note if you turn it on, which names no amounts or readings.

Sell your data. Show you ads. Share your data with anyone for their own use. Move, save or spend your money.

Veyla isn’t medical, mental-health or financial advice. It shows what your own data says, and you decide what it means.

Lovable Cloud hosts the app and its database.

Plaid connects your bank, read-only.

Oura provides your ring data, through Lovable’s secure connector.

Apple Health stays on your iPhone; the Veyla app reads it there and sends it only to your Veyla account.

Resend and Google Firebase send email and reminders, only if you turn them on.

Each account can read only its own data. The keys that connect your bank and ring stay on the server and are never sent to your phone.

One connection. Disconnecting a bank in Accounts removes its accounts and purchases from Veyla. Disconnecting your ring removes your ring scores. “Forget my Apple Health data” in Accounts removes your Apple Watch readings; to stop Veyla reading Apple Health, switch it off in your iPhone’s Settings › Health.

Everything. Profile › Delete my account and data disconnects your banks at Plaid and your ring at Oura, deletes everything Veyla stored about you, and removes your sign-in. It can’t be undone.

Otherwise, Veyla keeps your data while your account exists. Anything kept only on a phone stays there until you clear Veyla’s data on that phone.

The beta sign-up page keeps only your first name, your email and the wearable you said you use, if you picked one.

It’s used for one thing: inviting you to the beta and telling you when it opens. It’s never sold or shared, and it isn’t linked to any bank or ring data.

Want off the list? Email privacy@veylamoney.com or reply to any beta email, and your details are deleted.

Email privacy@veylamoney.com with any question or request about your data.