3AM automatically organizes transaction emails into a beautiful dashboard so you can track spending, monitor credit cards, discover insights and never miss a payment.
Track statement dates, due dates, minimum due and outstanding balances.
Securely read transaction emails after your permission using Google OAuth.
Monthly, yearly and category-wise spending insights.
Search transactions instantly by merchant, amount or category.
Food, Shopping, Fuel, Bills, Travel and many more.
Compare the last four months with easy-to-read charts.
Stay ahead of your payment deadlines.
Your information is encrypted during transmission and storage.
Authenticate securely using Google.
Grant read-only Gmail access.
We identify transaction emails and organize them.
View reports, reminders and spending trends.
3AM uses Google's OAuth authorization flow with PKCE to protect the authorization-code exchange.
3AM reads Gmail for transaction processing only. It cannot send, modify or delete your emails, transfer money or make payments.
Email addresses and retained failed-message content are encrypted. Plaintext email addresses and message bodies are not intentionally written to application logs.
3AM does not store Gmail refresh tokens on its server. Gmail processing is limited to a maximum window of approximately 45 minutes while the app is in use, subject to token validity and authorization.
To investigate parsing failures and improve transaction-detection accuracy, we may store and those will be delete automatically deleted after 7 days.
We never ask for net banking passwords, PINs or OTPs.
Only to generate financial insights, reminders and reports. Read the full Privacy Policy.
3AM's use and transfer of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements.
No. It analyzes transaction emails only after your consent.
No. The application has no money transfer functionality.
Yes. You can permanently delete your account and associated data. See how.
If parsing fails, 3AM may temporarily retain the email content and relevant headers to diagnose parsing issues and improve reliability. Failed-message records are automatically deleted after 7 days.
Gmail processing is limited to a maximum window of approximately 45 minutes while you are using the app, subject to access-token validity and your authorization. 3AM does not store Gmail refresh tokens on its server.
Any bank that sends transaction emails in supported formats.