Do you need my passwords?+
No, never. First Officer does not ask for the password to your bank, your airline, or any rewards account, at any level of trust. When you connect your email or a card, you sign in through that provider's own secure screen, the same way your other trusted apps do, and that login happens on their system, not ours. First Officer is handed a limited, read-only pass to look, and nothing more. It cannot see or store your password, and it never logs in as you.
Can First Officer spend my money or change anything?+
No. Every connection is read-only, which means it can look but it cannot touch. First Officer cannot move money between accounts, make a purchase, open or close a card, redeem your points, or post anything anywhere on your behalf. Its entire job is to watch, do the math, and tell you the smartest move. You are always the one who decides, and the one who acts.
What does First Officer read in my email?+
Only the messages that matter for your points and travel. When you link your inbox, First Officer looks for the things you would want it to catch: booking confirmations, points statements, status updates, transfer bonuses, and credits about to expire. It is not reading your personal correspondence, and it has no interest in anything outside travel and rewards. The connection uses your provider's secure sign-in, so your password stays with them and never reaches us.
Do I have to connect anything at all?+
Not at all. Plenty of members never connect a thing and still get real value. You can use First Officer entirely by sending screenshots, the same way you would text a balance to a knowledgeable friend, and it will tell you what those points are worth and the best move to make. Connecting your inbox or a card simply lets First Officer do more of the watching for you. It is an option you reach for when you are ready, never a requirement.
Can I disconnect later, and what happens when I do?+
Yes, anytime, in a single tap, and you never have to explain why. The moment you disconnect, First Officer stops reading from that source. Disconnecting is built to be exactly as easy as connecting, because the freedom to walk away at any moment is what makes connecting feel safe in the first place. Nothing is locked in, and nothing holds you there.
Is my information shared or sold?+
No. Your data is yours, full stop. First Officer does not sell your information, and it does not hand it to advertisers or data brokers. The patterns it learns help it give better advice over time, but your personal details, your balances, and your trips stay private to you. You can ask us to remove your information at any point, and we will.
How is this different from just giving an app my logins?+
Because you are never giving First Officer your logins. The connections it uses are the same bank-grade, read-only links your other financial apps rely on, each one granted through the provider's secure sign-in. First Officer receives permission to look, never the keys to act. That is the line it will not cross: it can read in order to advise you, and it can never reach in and change anything.
