> Digits shall have the right to collect and analyze data and information relating to the use and performance of various aspects of the Services and related technologies (including, without limitation, information concerning Customer Data and data derived therefrom), and Digits will be free (during and after the term hereof) to (i) use such information and data to provide, improve and enhance the Services and other Digits offerings, and (ii) disclose such data solely in aggregate or other de-identified form in connection with its business.

The thing about not having a lot of money is, you know exactly how much money you have and exactly where it’s going — after all, any unchecked expense will quickly tip you over into negative territory. Therefore, the audience for this product can’t be small, scrappy companies that don’t have lots of money — so I am guess they are targeting richly-funded companies drowning in cash, such as themselves?

I just spent some time with a colleague going over the user agreements for both Plaid and Yodlee, which we both found insanely invasive to the point of seeming offensive, and a quick glance at Digits’ user agreement shows similar language. Which leads me to think, maybe the real game here is to create something similar to Plaid? Maybe what Digits is trying to do is provide middleware that someone else finds worthy of acquiring? Sort of a fintech repeat of what Digits was when it was phone number confirmation middleware for apps?

Is this a YC company? If not, why allow them to spam?