Trust is not requested. It is demonstrated.
You entrust the terminal with reading your entire financial situation. This page states precisely what it can do, what it cannot do, and what happens to your data.
Read-only, by design
The terminal observes. It never moves a euro. Bank connections (open banking, PSD2, through Enable Banking, a licensed AISP) and brokerage connections (SnapTrade) are read-only: Ad Viternam never sees your banking credentials, and no payment, transfer or order can leave the terminal. Bank consent is renewed every 180 days, as PSD2 requires, and can be revoked at any time.
Access
- Single session and device approval — every access is yours, sealed to a device you approve.
- Two-factor authentication — TOTP app or email one-time code.
- Read-only mode — an option that blocks any change to the account; leaving it requires confirming your identity.
Data
- Granular GDPR consents — separate, logged consents: bank aggregation, brokerage connection, categorisation improvement.
- Erasure within 72 hours — when the account is deleted, your data is destroyed within 72 hours and your connections are revoked. The only data that remains is what a legal obligation requires and, for at most 100 days, the encrypted backups used solely to restore the service after an incident.
- Hosted in Switzerland — by Infomaniak, in Geneva, on ISO 27001-certified infrastructure. Backups and technical logs, encrypted before transfer, are stored in the European Union.
Payment
Subscriptions are secured via Stripe, the App Store and Google Play. Ad Viternam does not store your card details.
On every plan
Included in every plan, including Free
These guarantees apply to every plan, including the free plan. Security is not a premium option.