Where the Data Is Stored

Civil Rule 26 .Com does not warehouse invitees' financial data. The records themselves stay with the financial institutions that issued them, and only move as far as a signed authorization allows.

  1. Financial institutions hold the data. Every account statement and transaction lives with the bank, credit union, or brokerage that issued it, wherever in the world that institution is located.
  2. Plaid aggregates it under formal agreements. The data broker Plaid has formal agreements with financial institutions worldwide and pulls authorized records into one place on the invitee's behalf.
  3. Financial institutions are the only party with login credentials. The invitee's username and password are entered only at their institution's own login page. Plaid, the attorney, and Civil Rule 26 .Com never see them.
  4. Invitees create the token; Plaid manages it. When an invitee grants access, they create an access token that Plaid holds and manages, scoped to a specific attorney.
  5. The attorney gets data from Plaid, and only from Plaid. The attorney uses that token to retrieve the authorized records directly from Plaid, and does not share that data with anyone else.
Financial InstitutionHolds all account statementsand transaction historyNo copies exist outside the institution until access is granted.
All financial data resides at the financial institution that issued it.
provides securitycredentialsprovidesapprovalprovidesaccess tokenInviteeFinancialInstitutionPlaidAttorney
The invitee's credentials and approval flow from the financial institution to Plaid, which issues the attorney an access token.
AttorneyViews data viathe access tokenpresents access tokenreturns financial informationPlaidAggregates financial datafrom the invitee's institutionsand holds it in one place
The attorney uses that token to view financial information Plaid aggregates and holds.

Plaid is the financial data network that makes this possible - it connects banks, brokerages, and fintech apps under a shared set of agreements and APIs. See who uses Plaid on Plaid's own site.