Is Mercury safe with your data?

Mercury

50/100

Partial disclosure · high confidence

Mercury earns a C (50/100) because it discloses its data practices only in part.

#104

of 211 apps ranked

score · Finance avg 37

+13

vs category average

Grade scaleA · 70–100B · 60–69C · 48–59D · 35–47F · 0–34

Mercury discloses user rights comprehensively including data access, deletion, and opt-out mechanisms, but lacks retention timelines and does not disclose AI model training or use of AI services for users.

What Mercury's privacy policy and terms of service say about your data

Deletion within 30 days

The policy gives a concrete timeline: data is "automatically deleted from our back-end within 30 days".

No user-facing AI disclosed

References to AI and machine learning cover internal fraud detection and categorization, not any user-facing AI service, so AI interaction is not disclosed

No automated-decision rights

The policy says nothing about automated decisions affecting users, human review, or related governance

What the policy is silent or vague on

Not stated: keeping user inputs out of model training
Not stated: a way to opt out of training
Not stated: whether training use differs by plan
Not stated: your ownership of generated outputs

Mercury privacy rating

Training-data use0 of 4 disclosed

Keeps user inputs out of model training, or makes training opt-inSilent

Names a way to opt out of or into trainingSilent

Says whether training use differs by plan or tierSilent

Lets the user keep ownership of generated outputsSilent

Data-subject rights4 of 5 disclosed

Grants a right to access your dataDisclosed

Grants a right to delete your dataDisclosed

Offers data portability in a usable formatPartial

Grants a right to correct your dataDisclosed

Grants a way to object to or opt out of processingDisclosed

Retention and deletion1 of 4 disclosed

States a retention period for your dataSilent

States a deletion timeline after closure or requestDisclosed

Sets a shorter retention for AI conversation logsSilent

Commits to collecting only the data it needsPartial

Third-party sharing2 of 4 disclosed

Lists the categories of third parties it shares withDisclosed

References a sub-processor list or data processing agreementSilent

Does not sell or share data for advertising, or offers opt-outPartial

Names a safeguard for international data transfersNot applicable

States a standard for government and law-enforcement accessDisclosed

Transparency2 of 4 disclosed

Discloses that you are interacting with AISilent

Marks AI-generated or synthetic outputNot applicable

Enumerates the categories of data it collectsDisclosed

Maps processing purposes to legal basesPartial

Is versioned and dated, with change noticeDisclosed

Sensitive data and children1 of 3 disclosed

Discloses automated decisions and a human-review pathSilent

Limits the use of special-category dataPartial

Governs biometric data specificallyNot applicable

States protections for children's dataDisclosed

Security and accountability1 of 3 disclosed

Describes its security safeguardsPartial

Commits to breach notificationDisclosed

Names a certification or a privacy contactPartial

DisclosedPartialSilentAdverseNot applicable

Details

Category: Finance
Modalities: text
Processes biometrics: No
Policy last updated: 2026-06-18
Region scored: Global / US-default
Last assessed: 2026-08-13

Documents examined

Other finance apps

Each grade reflects our analysis of what an app states in its public privacy policy and terms as of the assessment date. It measures the transparency of those documents, not the company's actual data practices, security, or compliance. Grades are our opinion, offered for general information. Full disclaimer.