Financial Data Protection & Security

Blarg LLC · Last updated 2026-06-16 · Effective upon publication.

This policy explains how Blarg LLC protects financial data when you use our finance features, including the EDO Wallet and any AI-assisted monitoring, budgeting, payment, or trading tools. It applies in addition to our Terms of Service, Privacy Policy, Data Sharing Policy, and AI & Automated Use Policy. Where any of those and this policy both apply, you must comply with all of them.

1. What financial data we handle

Depending on the features you enable, we may process: account balances and history you enter or connect; transaction, contribution, and payout records; portfolio positions and returns; and references to your linked institutions (for example a brokerage, card issuer, bank, or retirement custodian). We process only what a feature needs, and we do not sell your financial data.

2. How Blarg AI handles your money: local-first by design

Our finance tools are built to keep your sensitive data close to you:

• Local-first. Raw financial data and the engine that processes it run on your own device. Only a sanitized summary (for example totals and trend lines) is mirrored to your private dashboard. Per-account raw rows are not sent to our cloud.
• The AI never owns your accounts. An automated agent cannot legally hold a bank or brokerage account. Any account stays in your name (or your business's name); the agent only accesses it within limits you set, through secure interfaces or limited-scope virtual cards.
• No autonomous spending. The agent uses a read, propose, approve pattern: it drafts an action and queues it for you, and money moves only after you approve. It does not spend or trade on its own.
• Hard limits. You set per-transaction, daily, and monthly ceilings the agent cannot exceed, plus a one-tap freeze (kill switch) that stops all activity immediately.
• Restricted destinations. Cards and connections can be scoped to approved vendors or instruments only.

3. Security measures

We protect financial data with: secrets (API keys, tokens, credentials) stored only in encrypted environment variables, never in code, prompts, or shared databases; owner-only gating on all financial views and controls; device-token authentication for any agent console, so the agent never holds your password; and exclusion of raw financial data from any public page. No method of storage or transmission is perfectly secure, but we work to industry-standard practices.

4. Third-party providers

Finance features may connect to regulated third parties; for example, a brokerage or "agentic account" provider, a virtual-card or banking-infrastructure provider, your bank, or a retirement plan custodian. Those providers hold and move funds under their own terms, security, and regulatory obligations; your use of them is also subject to their policies. Blarg LLC is a software provider and is not a bank, broker-dealer, investment adviser, or money transmitter.

5. Your controls and rights

You can set and change limits, pause or freeze the agent, review a timestamped audit log of every action and approval, export your records, and request deletion of financial data we hold, subject to records we must retain for legal or accounting reasons. Approvals can be set to expire so there is never a silent standing authorization.

6. Risk and testing before go-live

AI-assisted finance and agentic trading carry real risk, including the possible loss of capital. AI can make errors, act on incomplete or stale data, or behave unexpectedly. Before any live trading is enabled, strategies are validated in a paper-trading or sandbox environment, and you remain responsible for reviewing activity and ensuring the agent operates as intended. Nothing here is financial, investment, tax, or legal advice.

7. Compliance

We maintain recordkeeping and review practices consistent with applicable financial-data and anti-money-laundering expectations, and we cooperate with our regulated partners' requirements. Categorized records support tax reporting and your own review.

8. Consent for finance features

Some finance features, including EDO Wallet when made available to users, require you to accept this policy before they are enabled for your account. Enabling a feature confirms your agreement to this policy as it applies to that feature.

9. Changes & contact

We may update this policy; material changes get a new "Last updated" date. Questions: blarg.studio@gmail.com or emmanues@tcd.ie (Sean Emmanuel, Blarg LLC).