Our Commitment to Your Financial Safety

At YPA Finance, your security is our foundation. We partner with industry-leading providers and follow strict standards to ensure your data stays private and protected.

Data Encryption

All your data is encrypted with AES-256 at rest and TLS 1.3 in transit. These are the same encryption standards used by major financial institutions. Your information is protected at every step — from the moment it leaves your device to when it reaches our servers.

Read-Only Access via Plaid

We connect to your bank through Plaid, a trusted financial data aggregator used by millions of people and thousands of apps. Our access is strictly read-only. YPA Finance cannot move money, make withdrawals, initiate transfers, or change any of your bank settings. We can only view your transaction history and account balances to help you manage your finances.

Credit Score via Equifax

Your credit score data is provided by Equifax, one of the three major US credit bureaus, through our integration with Array. Checking your credit score through YPA Finance is always a soft inquiry — it will never impact your credit rating. You can check as often as you like with zero risk.

Payments via Stripe

All subscription payments are processed through Stripe, a PCI-compliant payment processor trusted by millions of businesses worldwide. We never see or store your payment card numbers. Stripe handles all payment data securely on our behalf.

What We Never Do

  • We never store your bank login credentials — Plaid handles authentication directly
  • We never see or store your Social Security Number — credit checks are handled by Equifax via Array
  • We never sell your personal or financial data to third parties, advertisers, or data brokers
  • We never move money from your accounts — our access is strictly read-only
  • We never share your data without your consent

SOC 2 Compliance

We have designed and implemented security controls aligned with SOC 2 standards. Our compliance program includes role-based access controls, audit logging, regular penetration testing, and security reviews. Full SOC 2 Type II certification is in progress.

Infrastructure

YPA Finance runs on Google Cloud Platform (GCP) with zero-trust architecture, API security via Cloud Armor and WAF protection, rate limiting, and Terraform-managed infrastructure. Our systems are monitored 24/7 with Elastic and Sentry for real-time alerts.

Questions about our security practices?

security@ypa.finance
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