The Privacy Promise
Your Numbers. Your Privacy. Your Choice.
We don't need access to your accounts. We need enough information to help you understand them.
Payments and subscription enrollment
Payment card details are entered directly on Authorize.Net. PurposeBuilt Money does not receive or store your full card number or card security code through this website.
For Guided and Managed enrollment, we retain your name, email, selected package, agreed payment schedule, recurring-payment authorization and acceptance time, payment references, and subscription status to administer your service and billing. Authorize.Net securely holds the payment profile used for authorized monthly charges. Contact hello@purposebuiltmoney.com with billing, cancellation, or privacy questions.
I need your financial picture — not your financial identity.
There are no linked logins, no read-only bank connections and no aggregator sitting between us. PurposeBuilt is built from information you choose to provide, in the form you choose to provide it.
What makes the system work
- Balances, using nicknames you pick
- Interest rates and required payments
- Income amounts and pay frequency
- Goals, targets and dates
- Transaction history you elect to share
What we never request
- Social Security or taxpayer ID numbers
- Passwords, PINs or login credentials
- Complete account numbers
- Dates of birth
- Verification codes or security answers
Never send those details in an intake form, email, or message. For purchases, enter your card number and card security code only on the Authorize.Net payment page reached through our checkout.
Three levels, one decision — yours
What's required, what's recommended, what's optional
| Level | Information | Why it matters | If you decline |
|---|---|---|---|
| Required | Account nicknames and current balances; debt balances with APR, required payment and due date; income amounts and frequency; at least one goal | This is the arithmetic. Without rates and payments, a payoff date is fiction. | The Command Center can't be built. This is the minimum. |
| Recommended | Bank transaction history, 60–90 days | Enables full cash-flow analysis and finds the irregular annual costs that wreck budgets. | You still get net worth, debt modeling, goals and scenarios. Cash flow uses your own estimates instead. |
| Optional | Credit-card transaction history | Completes the spending picture where most real spending happens. | Nothing. No follow-up, no guilt, no reduced service. Your card balances still model perfectly. |
| Optional | Original balance, original term and maturity date on installment loans | Lets us model amortization precisely rather than approximating. | We model from the balance, rate and payment. Slightly less precise, still useful. |
| Never asked | SSN, passwords, PINs, full account numbers, birthdates, verification codes, security answers | None of it improves the math. | — |
Before you upload
How to redact a statement in about two minutes
- Black out or delete the account number — every digit, including the last four
- Remove your full address block if the statement shows one
- Remove any partial card numbers printed beside transactions
- Keep the dates, the amounts, and the merchant or category names you're comfortable sharing
Screenshots are fine. A phone photo of a paper statement is fine. A CSV export with the identifying columns deleted is ideal. We need the numbers, not the identifiers.
Line-by-line control
Redact individual transactions — that's expected, not suspicious
If there are purchases you'd rather not discuss — a gift, a medical expense, a private matter — black out the description and leave the amount and date. We categorize it as Private/Other, include it in your totals, and never ask about it.
Your cash-flow analysis stays accurate to the dollar. Your privacy stays intact. Both things can be true.
Sharing credit-card transaction history is entirely your call, on every plan, every month. There is no version of this service where declining it costs you anything.
Where your information lives
The planning worksheets save answers in this browser, not to a client account. Selected documents are not uploaded. Use each worksheet’s reset control to clear saved data. The contact form opens your email app; it sends nothing automatically.
Documents are used to build and maintain your Command Center and nothing else. They are never sold, never shared with third parties for marketing, and never used to pitch you products.
Delete-on-request
Ask, and the source documents you sent are destroyed once your system is built. You keep the Command Center; we keep as little as possible.
No account access, ever
PurposeBuilt cannot move money, cannot log in anywhere, and cannot see anything you haven't deliberately sent. That's a design choice, not a limitation.
Scope of service
PurposeBuilt Money provides budgeting tools, financial organization, and educational modeling — not investment, tax, legal, or credit-repair advice. Scenarios are mathematical illustrations based on the information you provide, not predictions of future results. For decisions requiring licensed expertise, consult an appropriately credentialed professional.
Comfortable with all of that?
Then let's build something you'll actually use.