Plaid Account Terms

Effective Date: April 14, 2026

Background. Thanks for using Plaid! Plaid helps consumers like you connect your financial accounts to Plaid, enabling Plaid to provide you with services that you request, or to third-party applications that use Plaid (“Third-Party Apps”). You can save your financial account connections and personal information in an account directly with Plaid (“Plaid Account”). Your Plaid Account unlocks Plaid’s streamlined services, including allowing you to more easily use your financial and identity data, as described further below.

Additional Terms. These Plaid Account terms (“Plaid Account Terms”) supplement and incorporate by reference the End User Services Agreement (US) and together form an agreement between you and Plaid (the “Agreement”). Please review all terms in the End User Services Agreement (US), including in particular the Sections titled Rights to the Platform, Our Disclaimers, Liabilities for our Platform, Dispute Resolution, and Notices. Plaid may modify the Agreement upon notice to you, as detailed in the last paragraph of the End User Services Agreement (US), and acceptance of these modifications will be required to continue using your Plaid Account.

If you use Plaid CRA services with your Plaid Account, the Consumer Services Agreement also applies.

Plaid Account. Plaid allows you to save your financial account connections and personal information in an account with Plaid (“Plaid Account”). This enables Plaid to provide you with streamlined services, and allows you to share your financial and identity data, verify your identity, receive financial account connection notifications, and use other products and services involving your financial and identity data. Note that a Plaid Account is not a transaction or asset account for purposes of the Electronic Fund Transfer Act, does not store funds, and does not provide you with a means to initiate electronic fund transfers or other payments, but instead enables you to onboard onto, share information that a Third-Party App needs to initiate payments to you or from you, and use Third-Party Apps more quickly and easily.

Plaid Monitoring Service. Plaid offers an account monitoring and alerts service via a web-app (“Plaid Web-App”) directly to consumers like you. This service allows you to create and/or manage your Plaid Account, including by adding or removing financial account connections and associated data from your Plaid Account. In addition, through the Plaid Web-App, you can receive notifications and insights related to your Plaid-enabled connections to Third-Party applications as well as the financial accounts that are saved in your Plaid Account. This may include notifications and insights regarding: account connections, suspicious activity, contact info mismatches or changes, unusual transactions, and balance updates. By signing up for the Plaid Web-App, you agree to receive such notifications and insights from Plaid.

How Your Plaid Account Works. You can create a Plaid Account when you use the Plaid Web-App or when you use Plaid to connect your financial accounts or verify your identity. By creating a Plaid Account, you authorize Plaid to retain and use your financial account connections and personal information in accordance with the Agreement and Plaid’s End User Privacy Policy.

Your Plaid Account helps us accurately recognize you and complete faster identity verification and financial account linking for you without you having to re-enter all of the information you have added to your Plaid Account. As part of enabling streamlined processes for you through your Plaid Account, Plaid may: (a) share with Third-Party Apps that you use, our subsidiaries, and our service providers any information required to provide the product or service you have requested; (b) share with Third-Party Apps that you use, our subsidiaries, and our service providers information about whether or not you have a Plaid Account, and, if you do, certain information from your Plaid Account in order for us and them to provide services to you, including, but not limited to: (i) the number and types of financial account connections in your Plaid Account, (ii) types of saved identity data and documents in your Plaid Account, and (iii) the services and use cases that Third-Party Apps provide to you that can be supported by the financial account connections and identity data in your Plaid Account; (c) contact you using information that you provide or that is available in your saved identity data or financial account connections, including to send security notifications to confirm activity on your Plaid Account and messages outlining steps for you to complete or troubleshoot the process of using Plaid to onboard and use your Third-Party Apps; and (d) verify your data to protect against or prevent actual or potential fraud, misrepresentation, unauthorized or suspicious activity, claims, or other liability, or other malicious behavior – data we receive from this verification process may be stored in your Plaid Account for use when you return to share identity data with other Third-Party Apps.

For more information about Plaid’s collection, use, and sharing of personal information about you, including in connection with your Plaid Account, please review Plaid’s End User Privacy Policy. The Agreement and Plaid’s End User Privacy Policy do not cover what the Third-Party Apps that you use do with your information. You should review the privacy policies and terms of service for those Third-Party Apps for information about their practices.

Managing and Deleting Your Plaid Account. You can view and manage your Plaid Account using the Plaid Web-App, using Plaid Portal at my.plaid.com, or by contacting privacy@plaid.com. If you would like to delete your Plaid Account or have any questions about managing your Plaid Account or regarding your data rights, please contact privacy@plaid.com.

Your Use and Restrictions. You may only use your Plaid Account and the Plaid Web-App to receive services from Plaid, including receiving insights and notifications from the Plaid Web-App or enabling streamlined financial services such as faster onboarding onto and use of your Third-Party Apps. By creating or using a Plaid Account, you expressly agree to the Agreement and that: (a) all data you provide and all financial accounts you connect are your own or that you are an authorized user of those accounts; (b) all data you provide to verify your identity is complete and accurate; and (c) you will not (i) use or access anyone else’s Plaid Account or related data, (ii) use any Plaid Account or related data for any fraudulent, illegal or misleading purpose, (iii) modify, reverse engineer or seek to gain unauthorized access to any Plaid Account or related Plaid systems, (iv) bypass or circumvent measures designed to prevent or limit access to any part of any Plaid Account or related Plaid systems, (v) copy, modify or create derivative works of any Plaid Account or related Plaid systems in any manner not authorized by Plaid, (vi) access any Plaid Account or related Plaid systems for competitive purposes or publish any benchmark or performance information, or (vii) use any Plaid Account or related Plaid systems in any manner that could damage, disable, overburden, or impair the functioning thereof or interfere with, disrupt, or negatively affect other users.

You acknowledge and understand that you are responsible for the data that you save in your Plaid Account. You will not provide any data that is: (i) defamatory, abusive, harassing, threatening, or an invasion of a right or the privacy of another person; (ii) bigoted, hateful, or racially or otherwise offensive; (iii) violent, vulgar, obscene, pornographic, or otherwise sexually explicit; (iv) trademarked or copyrighted content, or content that otherwise infringes on the intellectual property rights of another individual or company; or (v) otherwise harmful or can be reasonably expected to be harmful to any person or entity. Any unauthorized use of a Plaid Account is strictly prohibited and may result in deletion of your Plaid Account.

Wireless Device and SMS Terms. Plaid may send you Short Message Service (SMS) messages in order to provide a service to you and/or to confirm your identity by way of two-factor authentication. You consent to receive automated SMS messages from Plaid, and any of our SMS-related service providers, including through the use of an automatic telephone dialing system, at the telephone number you have provided. Message and data rates may apply. As a general matter, you will receive one message per request. Carriers are not liable for delayed or undelivered messages.

You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Plaid or our service provider for the duration of your business relationship, solely to help Plaid or our service provider identify you or your wireless device and to prevent fraud. Please see our End User Privacy Policy to see how we treat your data.

The information your wireless carrier may disclose may include mobile number, name, address, email, network status, customer type, customer role, billing type, and mobile device identifiers (IMSI and IMEI). No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent information will not be shared with any third parties.

If you do not wish to receive SMS messages from Plaid or our service providers, or if you no longer want your wireless operator to share information about you with Plaid or our service providers, you agree to reply STOP to any SMS message from Plaid or sent on behalf of Plaid in order to opt out of the SMS message notifications. You may receive an additional SMS message confirming your decision to opt out. After opting out of SMS messages, you will no longer receive messages from Plaid or our service providers unless you subsequently request SMS messages from us or sign up for any of our services, such as a Plaid Account, that require sending you SMS messages.

If you are experiencing issues with the SMS messages from Plaid or our service providers, you can reply with the keyword HELP for more assistance, or you can contact login+sms@plaid.com.

Persons under the age of 18 may not create a Plaid Account. By creating and using your Plaid Account, you represent and warrant that you are 18 years old or older. If you have reason to believe that a person under 18 years of age is using our Services, please contact us at privacy@plaid.com and, upon confirmation, we will delete the relevant Plaid Account, subject to and in compliance with our requirements under applicable law.

Security. Plaid implements technical and organizational measures designed to safeguard your Plaid Account from unauthorized access, use, alteration, or disclosure and to maintain the security, confidentiality, and integrity of your data. However, we encourage you to take responsibility for securing your Plaid Account and other personal information, knowing that you provide it at your own risk. If you believe your Plaid Account has been compromised, please contact us immediately at privacy@plaid.com.

Miscellaneous. Any capitalized terms used but not defined in these Plaid Account Terms will have the meanings ascribed to them in the End User Services Agreement (US). In the event of a conflict between these Plaid Account Terms and the End User Services Agreement (US), these Plaid Account Terms will control and prevail as applicable to your use of a Plaid Account; provided that all other provisions of the End User Services Agreement (US) will remain in full force and effect. By accepting the Agreement or creating, accessing, managing, or using your Plaid Account, you agree to the Agreement and certify that you have all the necessary rights to do so. If you do not agree to the Agreement, please do not create, access, manage, or use a Plaid Account. If, at any time, you no longer agree to the Agreement, you may delete your Plaid Account. Plaid, in our sole discretion, may disable or delete a Plaid Account if (a) we suspect any violation of any of the terms contained in the Agreement, (b) your Plaid Account is unused and remains inactive for an extended period of time, (c) we suspect any unauthorized use of your Plaid Account, or (d) we are legally obligated to do so. Plaid reserves the right to seek all other available remedies, in law or in equity, in connection with such any issue.