Overview
AI is not required to use Liquify. You can run fully on your plan, accounts, Bank Sync, and alerts and never use AI.
When AI is involved, it is only for optional analysis reviews you explicitly start—not for everyday budgeting, account alerts, or Bank Sync.
What watches the plan without AI
Account alerts are how Liquify watches for plan drift—rules you set on linked boxes, with push and inbox notifications. They do not send your data to a model. See Accounts.
Optional analysis
Plan Analysis and Transactions Analysis are optional. Nothing is sent to Google Gemini until you choose to run a review.
When you do run analysis, selected plan and (if you allow) recent bank transaction descriptions are handled as described in the Privacy Policy. Insights are for your information only—they are not professional financial, legal, or tax advice.