Privacy
Here’s what Unpark holds about you, what we do with it, who else handles it, and how you can get a copy or have it deleted.
Last updated 11 November 2026
In brief
- We only know what you type in. Unpark never connects to your bank, and we never ask for account numbers, card details or passwords.
- Your answers are sent to an AI model, Anthropic’s Claude, so that it can choose your next question and word your plan. By default Anthropic doesn’t use them to train its models.
- There’s no advertising, no analytics and no tracking here, and the only cookies are the three that log you in.
- You can download everything we hold, or delete your account and all of it, in Settings whenever you like.
Who runs Unpark
Unpark is responsible for the information you give it, which in data protection law makes us the “controller”. If you have a question about anything on this page, or you want to use one of the rights described further down, write to us at [email protected].
What we hold about you
Unpark has no connection to your bank, so everything we know about your money is something you typed in yourself. This is the full list.
- Your email address
- It’s how you log in, and it’s where we send your codes and the emails described below. There’s no password for us to keep.
- Your answers
- Everything you choose or type while answering the questions. That covers what you’re saving for, whether you’re working, who you bank with, roughly what you earn and spend, how much you have and where it’s kept, any debts, mortgage, pension or investments you tell us about, and your first name.
- Your plan and progress
- The plan worked out from those answers, your Unpark score, the moves you’ve ticked off or chosen to leave out, and the balances you put in each time you check in.
- What you ask the assistant
- Your questions and its replies are saved with your plan so they’re still there when you come back. The Clear button in the assistant wipes them.
- Face ID or fingerprint login
- If you set this up, we keep the public half of the key your device creates, a label for the device such as “iPhone” or “Mac”, and when it was added and last used. Your face or fingerprint stays on your device and we never see it.
- A few dates
- When you opened your account, when you last logged in, when your last reminder went out, the day of the month you’re paid if you tell us, and whether your score email has been sent.
- Login codes
- A scrambled copy of each code we send, which can’t be turned back into the code, along with the address it went to and the time.
- How much you use the AI
- A count for each day, kept for about a week, so that one account can’t flood the service.
- Where you connect from
- We use your device’s IP address for a short while to slow down repeated login attempts. It’s held in the server’s memory and never saved to our database, and it’s gone whenever the app restarts.
We don’t hold your bank login, account numbers or card details, because we never ask for them, and Unpark can’t see or move your money.
Why we use it
Nearly all of it is used for one thing, which is giving you the service you came for. We need your email address to log you in, and we need your answers so that we can ask sensible questions, work out your score and your plan, and have them waiting for you when you come back. Data protection law calls this basis “contract”, meaning you’ve asked us for something and we can’t provide it without the information.
A small part is used to keep Unpark secure and to stop it being misused, and the law calls that basis “legitimate interests”. Our interest is a simple one. We want to stop people guessing login codes, hammering the site, or using the assistant as a free way into the AI model behind it, because any of those could spoil the service for everybody else. That’s why we count login attempts by email address and by IP address, and why we count how often each account uses the AI.
The monthly reminder is the one thing we do only with your consent. It stays off unless you switch it on, and you can switch it off again whenever you like.
We don’t use your information for advertising, and we don’t sell it or pass it to the banks and providers that appear in your plan.
How we use AI
Unpark uses an AI model called Claude, which is made by a company called Anthropic, and it uses it in two places.
The first is while you answer the questions. We send Claude your answers so far so that it can choose the most useful question to ask next and, at the end, put your plan into plain words. That includes your first name and the accounts, amounts and investments you’ve told us about. If you type a message to change your plan, that goes to Claude too.
The second is the assistant. When you ask it something, we send Claude your answers, the figures in your plan, your question and the earlier messages in that conversation, so that it can answer about your own situation. The assistant only takes questions about your plan, your savings and the basics of investing, and it turns anything else away.
Your email address is never sent to Claude.
The numbers don’t come from the AI. Your score, the rates and the amount in every move are worked out by fixed rules. When Claude words a question or a line of your plan, anything that quotes a pound or percentage figure we didn’t give it is thrown away before you see it.
Anthropic handles this information on our behalf. By default it doesn’t use what we send to train its models, and it deletes it from its systems within 30 days. Its own policy sets out the exceptions, which include anything it flags as breaking its usage rules, and it can keep that for longer.
Nothing in Unpark makes a decision about you automatically that has a legal effect or anything like one. We suggest what you could do, and you decide and make every move yourself with your own bank.
Who else handles it
Four companies help us run Unpark. Each one handles your information only to do its job for us, and nobody else receives it.
| Company | What it does | What it receives | Where | Its own policy |
|---|---|---|---|---|
| Anthropic | Runs Claude, the AI model we use. | Your answers, the figures in your plan and what you type to the assistant. It doesn’t get your email address. | United States | Privacy policy |
| Our email company | Sends our emails. | Your email address and what each email says. The score email has your first name and your score in it. | United States | |
| Our hosting company | Hosts the app and its database. | Everything in the list of what we hold. | United States | |
| Our network company | Carries the traffic between your device and Unpark. | The address your device connects from, and whatever passes between you and Unpark while it’s on its way. | United States |
Sending it to the United States
All four of those companies handle information in the United States, which means yours leaves the UK. That’s only allowed when a recognised safeguard is in place, so here is the one we rely on for each of them.
The companies that send our emails, host the app and carry its traffic are each certified under the Data Privacy Framework with its UK Extension, which is the arrangement that lets personal information go from the UK to American companies on its list.
For Anthropic we rely on the UK Addendum, a set of standard contract terms for information sent out of the UK, which forms part of Anthropic’s data processing terms.
You’re welcome to a copy of any of these. The data processing terms for Anthropic are published online, and if you email [email protected] we’ll send you whatever you need.
How long we keep it
We keep your account, your answers and your plan for as long as you have an account. We don’t close accounts that have gone quiet, so if you stop using Unpark your information stays where it is until you delete it.
You can delete it yourself at any time. In Settings, under Your data, “Delete everything” removes your account, your answers and plan, your conversation with the assistant, your Face ID or fingerprint logins, your AI counts and your login codes from our database straight away, and it logs you out. It can’t be undone. If you’d rather keep the account, “Start again” clears your answers and plan and leaves the rest.
Some things last a much shorter time. A login code stops working after ten minutes, or as soon as it has been used. The daily counts of AI use are deleted after about a week. Our email company keeps a log of each email it sends for us for 30 days, and Anthropic deletes what we send it within 30 days, apart from the exceptions described above.
The scrambled record of each login code is the one thing that isn’t cleared on a timer. It’s deleted with your account, and if you once asked for a code but never opened an account, email [email protected] and we’ll remove it.
Your rights
Data protection law gives you the rights below. Most of them you can use yourself in Settings, and for the others you can email [email protected]. We’ll reply without undue delay, and within one month at the latest.
- To be told what’s happening
- That’s what this page is for, and if any of it isn’t clear, please ask us.
- To see what we hold
- In Settings, under Your data, “Download a copy” gives you a file with your account details, your answers and plan, and your saved logins. If you want something that isn’t in the file, email us.
- To have it corrected
- You can change your answers with “Change your plan”, bring your figures up to date with “Update my balances”, and change your email address, all from Settings.
- To have it deleted
- “Delete everything” in Settings removes your account and all that goes with it, straight away.
- To take it elsewhere
- The file you download is in JSON, a common format that other software can read.
- To limit how we use it
- You can ask us to keep your information but stop using it. Email us and we’ll sort it out with you.
- Decisions made by computer
- You have rights when a decision that seriously affects you is made by a computer alone. Unpark doesn’t make any decisions like that.
Your right to object
You have the right to object to us using your information on the basis of our legitimate interests. For Unpark that means the counting of login attempts and AI use that keeps the service secure. To object, email [email protected] and tell us what you’d like us to stop.
Complaints
If you’re unhappy with how we’ve handled your information, please tell us first at [email protected], because we’d like the chance to put it right. We’ll acknowledge your complaint within 30 days and then look into it.
You can also complain to the Information Commissioner’s Office, either online at ico.org.uk/make-a-complaint or by phone on 0303 123 1113.
What’s stored on your device
Unpark sets three cookies, and all three are there to log you in.
| Cookie | What it’s for | How long it lasts |
|---|---|---|
| ledger_session | Keeps you logged in once you’ve entered your code or used Face ID or fingerprint. | 12 hours |
| ledger_otp | Remembers which email address your login code was sent to while you type it in. | 10 minutes |
| ledger_pk | Holds the one-time check your device answers when you log in with Face ID or fingerprint, or set it up. | 5 minutes |
Because they’re only there to log you in, there’s nothing for you to accept or decline. Unpark has no analytics, no advertising and no tracking, and it doesn’t keep anything else in your browser’s storage.
Our network company, which carries the traffic to this site, can add cookies of its own, and it describes them as strictly necessary. When we checked on 10 November 2026 it wasn’t setting any.
Emails we send
We send three kinds of email, and we don’t send newsletters or offers.
- Codes
- A six-digit code whenever you log in or change your email address.
- Your score
- One email, sent a single time when you finish the questions, with your Unpark score and a link back to your plan.
- A monthly reminder
- An email once a month with what to do with your payday money. It shows the monthly amounts from your plan and the accounts they go to, and never your balances. It’s off unless you switch it on in Settings. Every reminder has a link that turns them off without you having to log in, and you can switch them off in Settings too.
Who Unpark is for
Unpark is for adults aged 18 and over, and it isn’t meant for children. We ask you to confirm you’re 18 or over when you open an account, but we don’t ask for your date of birth or check your age, so if you think someone under 18 has opened an account, please let us know at [email protected].