No individual at Personal Capital has access to any client credentials. Our system is designed such that not a single employee could pull them even if they tried. All your usernames and passwords are encrypted from your browser or your mobile app to our systems, and remain encrypted when stored. Because no individual has access to this information, and it's encrypted whether in motion or at rest, it protects your credentials from unauthorized access or use.
You create a single username and password to securely access Personal Capital's dashboard and apps. You then enter usernames and passwords for each financial account you link to our system. Your credentials are encrypted in transit and at rest, using standards that are equal or better to than what is used at top-tier financial service companies.