AI Transparency

Last updated: 5 July 2026

Ask Ascend and related AI features are meant to explain your financial picture, not act for you. This page describes the data boundaries, storage behavior, and limits of AI output in Ascend.

What AI can help with

AI can help explain net-worth changes, account composition, holdings, projections, research context, and recurring portfolio summaries. It is best used for understanding and organizing information that is already visible in Ascend.

What data AI can use

Depending on the feature, Ascend may send the AI provider your question and a bounded summary of balances, account types, holdings, net-worth history, returns, projections, ticker symbols, or other data already available in your Ascend account. Public-source features may also send public X handles, podcast content, or market-research terms.

AI providers do not receive bank or brokerage login credentials, Plaid access tokens, SnapTrade secrets, seed phrases, private keys, or permission to access your financial institutions directly.

What AI cannot do

AI cannot take account actions, change connected accounts, move money, place trades, rebalance holdings, or make decisions for you. It also may be incomplete, stale, or wrong.

Are chats stored?

Ascend does not persist a full server-side Ask Ascend chat transcript. The recent conversation is held by the current browser session and sent with each question so the answer has context. If optional memory is enabled, Ascend may distill preferences or goals you share into a short durable profile; that profile is encrypted at rest, never stores live balances, and can be viewed or cleared in Settings. AI providers process prompts and responses under their own service terms and retention settings.

Data freshness matters

AI explanations are only as reliable as the synced and manually entered data available at the time. If an account is stale, a crypto price is estimated, a property value is manual, or a position is unsupported, the answer may miss context.

How to use AI answers

• Check the underlying accounts, holdings, and dates before relying on an explanation.
• Treat projections and comparisons as assumptions-based context.
• Use “show the math” or supporting details where available.
• Verify important decisions independently.

Informational only — not financial, investment, legal, or tax advice.

See also Trust & Security, Privacy Notice, and Terms of Service.