Five things that stay true.
Nothing moves unless you say so.
Carlo connects read-only today: it sees your accounts, it can’t touch them. As we add ways to act for you, sweeping cash to savings, filing a return, each one waits for your approval. Carlo never moves a dollar you didn’t ask it to.
We never see your bank password.
You sign in to your bank or brokerage through providers like Plaid and SnapTrade, the same kind of secure handoff Venmo and Robinhood use. Your login goes to your institution, never to us.
We don’t sell your data. Ever.
No ad networks. No data brokers. No “anonymized insights” sold to anyone. You are the customer, never the inventory.
We never earn a commission.
We don’t sell funds, insurance, or loans, and we’re not a brokerage, with no plans to be one. When you act on a plan, we take nothing from it. One flat subscription, paid by you, is the entire business.
You can take everything and leave.
Export it all, delete it all, whenever you want. Once deletion completes, we keep nothing that identifies you — except the rare records the law itself makes us hold.
Nobody pays us
but you.
Most financial guidance is funded by what it sells you, so the advice bends toward whoever’s paying. Carlo earns one flat fee, from you, for nothing else. There’s nothing for the advice to bend toward.
- A percentage of everything you’ve saved
- Commission on the funds and insurance they sell
- Referral fees on the loans they steer you to
- Your data, packaged and resold
- $50 a month
- That’s the entire list
Every number shows its work.
Carlo runs real tax and loan math, the same an accountant would, and shows you exactly how it got there. It never invents a figure. If it doesn’t have what it needs, it says so and asks. You’re checking arithmetic, not trusting a black box.
Show the mathHide the math
We’re new. Here’s the honest part.
We’re a small, early company, and we’d rather say that plainly than dress it up. So the deal is simple: your data is yours, exportable any time, and we will never hold it hostage. If Carlo ever winds down, you leave with everything and owe us nothing. Trust shouldn’t require us to be big. It should require us to be honest, and to leave the door open.
Two people, with names.
Carlo is built by a founding team you can actually reach. No support maze, no faceless brand. When something matters, you get a person.
Owns the engineering and where your security issue lands.
More about TaylorDon’t take our word for it.
Everything above, spelled out in full, including what we do today and what is still on the way. We tell you which is which.