Read only, every time

You can finish the interview with no bank link. Linking comes after you already have a written plan. When you connect, Anserva can see income, spending, debt, assets, and net worth. It cannot send a payment, move cash, or place a trade.

What we can see

Observed behaviour is the layer you cannot fully self report.

• Income and spending, as it happens
• Debt, assets, net worth
• Whether any of it moves the right way

Estimates in the plan get replaced with your real numbers.

What we cannot do

Anserva never moves money. Linking is multi aggregator, read only, to banks, cards, loans, and investments. You can unlink anything, export everything, or delete everything.

Controls you keep:

1. Unlink any account
2. Export everything
3. Delete everything
4. Switch the AI off entirely

Why linking is second

The interview is the product. Linking sharpens it. That order exists so you are not asked to connect accounts before you have seen a plan.

After you link:

1. Goals get a live status
2. SMS account notifications name the goal
3. Budget drift and bill spikes are tied to the plan
4. The plan re-runs when life changes
5. Software, not investment, tax, or legal advice

Why this is not a bank login

You are not handing Anserva a debit card. You are giving a planner a live view of the accounts you already have. If that still feels early, skip it. The written plan stands on the interview until you are ready.

After you connect:

1. Goals get honest status
2. SMS account notifications start
3. Unlink or export whenever you want
4. Delete everything if you leave
5. See pricing when you are ready to upgrade

A note on advice

Anserva is software, not investment, tax, or legal advice. Linking is read only. We never move money.

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