Thank you for the thoughtful response. This is anecdotal, but I signed up for Mint as a pretty naive college student who had no idea that Mint was tossing my financial data all over the damn place. A few years later I eventually learned how Mint really works and promptly deleted my account (and then purged as much advertising data as I could in a bout of paranoia).

I hope the next generation of personal finance apps maintain strict privacy guarantees while running on a subscription model. I'll definitely be giving Monarch a look!