A financial technology company that provides APIs and infrastructure enabling applications to connect with users' bank accounts and financial data. The company acts as an intermediary between consumer banking institutions and third-party financial apps, processing sensitive financial information including account balances, transaction history, and personal banking credentials. Their privacy and terms policies are significant because they govern how personal financial data is collected, shared, and protected across a wide ecosystem of connected financial services.
Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Plaid’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.
Plaid can immediately remove the Client's access to the Services with no advance warning and no financial consequence to Plaid, giving Plaid strong enforcement power over compliance obligations.
Mandatory arbitration eliminates the right to pursue disputes in court, and JAMS rules govern the entire process, including procedural rights.
The specific numerical threshold and defined calculation method give Plaid an objective, measurable standard against which Partner performance can be assessed.
Express consent is required as a precondition for each individual End User before their data from Bank Intelligence products can be used for marketing, preventing broad or inferred consent.
This non-discrimination standard prevents Partners from offering Plaid inferior data access conditions compared to competing services, protecting Plaid's ability to compete on equal terms.
These terms govern how businesses and developers may use Plaid's Services. Clients must get proper user consents, may only use End User data for Plaid-approved purposes, and bear full responsibility …
Plaid's Terms of Use govern how Plaid collects, uses, and shares your financial data when you connect your accounts through apps that use Plaid. By providing your login credentials, you …
This document describes how Plaid collects, uses, and shares your personal and financial data when you connect accounts through apps built on Plaid's platform. Plaid may use your data to …
Plaid updated its Developer Policy effective April 19, 2026, expanding account management obligations and introducing new monitoring capabilities. The revised terms establish a formal framework for managing Authorized Users (employees, …
View change record →Reissued 2026-10-07: this change was first recorded in reverse as CA-X-001282, which was withdrawn; this record describes it in the order it happened. Plaid updated its Account Terms to introduce …
View change record →Get the weekly coverage letter
Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
ConductAtlas tracks 3 Plaid documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.
Plaid has made 2 policy changes in the past 12 months across the documents ConductAtlas tracks.
ConductAtlas has classified 8 provisions across Plaid's tracked documents.
Yes. Monitor subscribers ($4.99/month) can add Plaid to their watchlist and receive an email alert after the daily check that finds a change to a tracked document. We check daily where we can, and show you where we can't.