Asked plainly, answered plainly.

No. You can look around and add accounts manually. Bank linking (via Plaid, read-only) just saves you the typing.

No and no. Canopy is paid for by subscriptions, not by your data. There are no ads to target.

Bank data updates daily — usually by early morning. We say "updated this morning" because that’s the truth; we’ll never claim "real time."

Yes. Monthly plans cancel anytime and stop billing at the period’s end. The annual plan is $99 for the year — we say that out loud instead of hiding it behind a monthly-equivalent price.

Canopy shows you how last month went, then offers three doors: copy as-is, copy tuned to what you actually spend, or start blank. Nothing applies without you — and there’s a 10-second undo.

No. Canopy never holds, moves, or touches your money — it’s a read-only window into the accounts you already have, so you can see everything in one honest place.

You can export everything, and deleting your account erases your data — for real, not "deactivated." Your money history belongs to you, not to us.