Questions and answers

Yarrow connects through Plaid, the service many US money apps use to link bank accounts. You sign in to your bank inside Plaid's window, and Yarrow gets read-only access to balances and transactions. The access token that keeps the connection open is encrypted on our servers, and every connection uses TLS.

No system is perfectly safe, and we won't pretend otherwise. Here's exactly how we protect your data.

No. Yarrow's access is read-only. It can't move money, pay bills, open accounts or borrow on your behalf. When Yarrow says "Pay $300 extra to Chase card", you make that payment yourself in your bank's app, or you don't.

No. You type it into Plaid's secure window, which talks to your bank. Yarrow never sees or stores your bank username or password.

Most US banks and credit unions work through Plaid. When you connect, search for yours. If it's not listed, or the connection fails, tell us and we'll look into it. You'll need a checking account. Savings, credit cards and loans are optional, but adding them makes the plan more accurate.

No and no. Yarrow has no ads and no ad trackers, and we never sell your data. Yarrow is paid for by subscriptions, so we work for you, not for advertisers. The privacy policy lists every company that handles your data and why.

No. Yarrow doesn't pull your credit report and doesn't report anything to credit bureaus.

Yes. Yarrow is built for people who are behind, not people who already have it figured out. Catching up on past-due bills is the first step of every plan. When there isn't enough for everything, Yarrow tells you what to pay first: housing, then utilities, then lenders.

Yarrow tells you right away instead of hiding it. It shows how short you are, lists what to pay first, and pauses the plan until your bills are covered. It is built never to ask you to move money you need for your bills.

Yarrow sets money aside for bills due before your next paycheck before it suggests anything else. If checking won't cover one, it tells you, and if you have savings it says how much to move to cover it.

If a paycheck doesn't arrive when it usually does, Yarrow holds off on extra payments until it lands. If no paycheck comes for longer than a pay period, it pauses the plan, puts essentials first and shows how long your savings would last. You get a notification either way.

No. Yarrow is plain about the math and quiet about everything else. No lectures, no scores, no shaming. If a budget runs over, it says so and moves on.

From each paycheck it sets aside bills due before the next one, then your budgets. What's left goes to the first unfinished step of the plan: catch up on past-due bills, a starter fund, high-interest debt, a full safety net, low-rate debt, then your goals. Every move shows the math behind it.

Yarrow plans on a careful estimate, the lower end of what you've been paid recently, and updates when the real deposit lands. If you're paid more, the extra shows up as money for the plan.

Yes. Gig work, tips, freelance and other irregular income count. Yarrow plans on what you can count on and treats the rest as a bonus when it arrives.

Treat them as projections, not promises. A date like "paid off around January 23" is the math on your current pay, bills and balances. When those change, the date changes, and Yarrow shows you how.

No. Every move is a suggestion and the decision is yours. Skip one and Yarrow works from where your money really is.

No. Yarrow is a planning tool that does the math on your own numbers. It isn't a bank or a financial advisor, and it doesn't give investment, tax or legal advice. For those, talk to a licensed professional.

Yarrow is a paid subscription, monthly or yearly, billed by Apple. The exact price shows in the App Store before you subscribe. There's no free trial: your bank connects only after you subscribe, so none of your account data is shared until you decide.

On your iPhone, open Settings, tap your name, then Subscriptions, then Yarrow, then Cancel Subscription. Cancel at least 24 hours before the current period ends to avoid the next charge. Apple handles refunds; you can ask at reportaproblem.apple.com.

No. Deleting the app, or even your Yarrow account, doesn't cancel an Apple subscription. Cancel it in iPhone Settings as above.

Delete your account in the app, or email us. We disconnect your banks from Plaid and delete your stored data. Step by step.

Not yet. Yarrow is iPhone only for now. Email us if you'd use it on Android; it helps us decide.

Yarrow is in a small beta now and coming soon to the App Store. Email boston@yarrow.money to ask for early access or a note on launch day.

Menos App LLC, a small Wyoming company. Yarrow is for people in the United States with a US bank account.