Question 1

Is Ponder free?

Accepted Answer

Yes, during early access. We'll give you a heads-up before anything changes.

Question 2

How do I sign up?

Accepted Answer

Download the app, enter your phone number, verify with a one-time SMS code, then connect your bank. Takes under two minutes.

Question 3

Which devices are supported?

Accepted Answer

iOS only for now. Android coming soon.

Question 4

How does Ponder connect to my bank?

Accepted Answer

Via Plaid — you authenticate directly with your bank, so Ponder never sees your username or password.

Question 5

Can Ponder move or spend my money?

Accepted Answer

No. Access is read-only. We can see balances and transactions, but cannot initiate transfers or payments of any kind.

Question 6

Which banks are supported?

Accepted Answer

Plaid covers 12,000+ US financial institutions. If your bank works with Plaid, it works with Ponder.

Question 7

How do I disconnect my bank?

Accepted Answer

Remove it anytime from the Connections section. Access is revoked immediately.

Question 8

Is my data used to train AI models?

Accepted Answer

No. We never use your financial data or chat history for training. We also opt out of training on your behalf wherever our infrastructure providers allow it.

Question 9

Is my data secure?

Accepted Answer

Yes — encrypted in transit (TLS) and at rest. We don't sell your data or share it for advertising. See our Privacy Policy for details.

Question 10

How do I delete my account?

Accepted Answer

Go to Account → Help & Support → Close account. All your data is permanently removed and your Plaid connection is revoked immediately.

Question 11

How do I get help?

Accepted Answer

Email support@ponder.money and we'll get back to you shortly.

Frequently asked questions

General

Getting started

Bank connection

AI & privacy

Account & support