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SaaSGuard Risk Report
Plaid
plaid.com
Generated May 4, 2026
Grade A
Score: 91 / 100
Executive summary
We analyzed Plaid’s Terms of Service across 8 risk dimensions and found 1 flagged clause across 1 category.
Flagged clauses by category
AI training on your data (1)
Severity 4 · material
“Develop New Services: To develop new products, features, technologies and services that benefit you and the apps you use, including to develop, train, test, and deploy artificial intelligence ("AI") systems.”
Plaid can use your data to build new products and train its AI systems, with no end date or payment to you.
Your data becomes part of Plaid's AI training, meaning it could be used in ways you don't expect or control.
Matches Authors Guild v. OpenAI (2023)
Methodology
SaaSGuard uses an automated pipeline: a daily Playwright crawler captures each vendor’s public Terms of Service, Privacy Policy, and DPA. Google’s Gemini 2.5 Flash classifies each clause into one of 8 risk categories with a severity score (1–5). Clauses are cross-referenced against a curated database of real lawsuits and FTC actions via embedding-based similarity matching. Grades are computed from per-category max severity; full source code is available on request.