We remember deadlines,
not your bank password.
No Plaid. No bank login. No full card number.
Your data stays private and in your control.
Our promise to you
- We never access your bank accounts.
- We never see your logins or passwords.
- We never collect full card numbers.
- We never sell your data.
- We put privacy into our product by design, not as an afterthought.
Your information is encrypted
in transit and at rest.
How statement scanning works
You choose a statement
Your original PDF or CSV file is not uploaded. We extract its text in your browser — the file itself never leaves your device.
The text goes to our AI provider
Up to 50,000 characters of extracted text are sent over an encrypted connection to our server and on to our AI provider, which looks for transactions matching your card's credits. That text can include merchant names, dates, and amounts.
You review and confirm
You decide what counts. You can confirm, reject, edit, or add manual matches.
Your report updates
Confirmed credits are applied to your Fee Report. You're always in control of the final numbers.
What we never ask for
- Bank login credentials
- Online banking access
- Full credit card numbers
- Social Security numbers
- Account balances
- Payment history
We don't need access to your bank to help you understand your card value.
What data we store
- Card and issuer information you add
- Credit values and usage you confirm
- Scan metadata and matched transaction details needed for your results
- Your saved Fee Reports, preferences, and reminders
We do not store the original file or full statement text on your account. We may retain scan metadata and matched transaction details needed for your results. See the full list of third parties that can process your data in our Privacy Policy.
What You Control
You can delete your account and saved data from Settings. See our Privacy Policy for details about how deletion is processed.
Why privacy is built into WorthTheFee
Privacy by design
We built our product to work without connecting to banks or using data aggregators.
Minimal by default
We collect the minimum data needed to calculate your card value.
Secure by standard
We use industry-standard encryption and security practices.
Built for real people
We respect your privacy because we're users too.
Your data. Your decisions. Your value.
Start tracking your cards with confidence.
- No bank login
- No Plaid
- No full card number
- You stay in control