Privacy Policy

Draft — have counsel review before launch. Last updated November 8, 2026.

Fiscally Fit Business (“the Service”) is provided by Argent Enterprises Inc., doing business as Argent AI Services (“we”). This policy explains what we collect, what we do with it, and the choices you have.

What we collect

Account details (name, email), the company information and financial records you enter, upload or connect (statements, receipts, transactions, data synced from apps you connect, and bank-feed data as described under “Bank feeds (Plaid)” below), and basic logs needed to run and secure the Service.

How we use it

Only to provide the Service: storing your books, producing reports, and categorizing transactions and reading statements and receipts. For the AI features, the relevant transaction text or document is sent to Anthropic's API (Claude) for processing. We don't sell your data or use it for advertising.

Who can see it

People you invite to your company, with the role you give them; service providers that host and run the Service (Railway for hosting and database, Plaid for bank feeds, Anthropic for AI processing, Resend for email, FoxyCart for billing, and Stripe for online invoice payments when a company connects its own Stripe account: Stripe then gets the invoice number and amount and what the customer types on Stripe's page, and we get back what was paid, Stripe's fees and payouts, never card or bank numbers); and authorities where the law requires.

Bank feeds (Plaid)

If you choose to connect a bank or card account, we use Plaid Inc. (“Plaid”) to make the connection. You sign in to your bank in Plaid's window, not ours, so we never see or store your bank username or password. By connecting, you let Plaid get your account information from your bank and pass it to us. How Plaid itself handles your data is covered by the Plaid End User Privacy Policy.

What we get. For the accounts you share in Plaid's window: each account's name, type and last four digits, your bank's name, and the transactions (date, amount, description, merchant name and check number) from the date you pick, up to two years back. Plaid also sends each account's balance; we don't keep it. We also get the connection's status, for example when your bank needs you to sign in again. Nothing is brought in from an account until you choose which of your accounts it goes into, and nothing is brought in from accounts you skip.

How we use it. Only to keep your books. Bank-feed transactions are handled just like an uploaded statement: matched to entries already in your books, sorted by your rules, and, if AI is on, their text is sent to Anthropic for a suggested category. We never sell or rent your bank data, never use it for advertising, and don't use it for anything else, even with your name removed. It's shared only as described under “Who can see it”.

How we store it. Bank data is encrypted while it travels between your bank, Plaid and us (HTTPS). The access key Plaid gives us for your connection is encrypted before we save it, stays on our server, and is never sent to your browser. Transactions are saved in your company's books in our database and backed up daily and weekly. They stay part of your books until you remove them or ask us to delete your company's data.

Disconnecting a bank. An Owner or Admin can disconnect a bank at any time in Settings → Bank feeds → Disconnect. That removes the connection at Plaid, deletes the access key, and stops new transactions. Transactions already brought in stay in your books, unless you tick “Also take its transactions out of my books” when you disconnect: then those lines are removed and any entries they made are reversed (your books keep a record of every change, so the reversals stay in the history). Lines in a closed period or a finished reconciliation can't be removed until you reopen the period or undo the reconciliation. You can also see and remove your connections in Plaid Portal at my.plaid.com.

Security

Data is encrypted in transit (HTTPS). Sensitive secrets such as vendor tax ID numbers and bank-feed access keys are encrypted at rest. Every change to your books is recorded in an audit log. Databases are backed up daily and weekly.

Your choices

Export everything from Settings at any time. Disconnect a bank feed whenever you like (see “Bank feeds (Plaid)” above). Ask us to delete your company's data after you've exported it; we'll do so except where we must keep records by law.

Contact: support@argentaiservices.com