You’re about to connect the most sensitive information you have. So before anything else, here is exactly how Carlo treats it, what it will and won’t do, and why none of it depends on us simply promising to behave.
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 through Plaid, the same secure handoff Venmo and Robinhood use. Your login goes to your bank, 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. If you go, nothing of yours stays behind.
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.
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.
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.
Carlo is built by a founding team you can actually reach. No support maze, no faceless brand. When something matters, you get a person.
Builds the product and reads the email you reply to.
Owns the engineering and where your security issue lands.
Everything above, spelled out in full, including what we do today and what is still on the way. We tell you which is which.