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Security and Compliance

Security is the floor, not the ceiling.

Bancroft holds household financial intake, beneficiary information, and encrypted credentials for every client a firm manages. We treat that data the way a bank treats yours. Below is the full picture, written so a compliance officer can rely on it.

Controls

What is in place today.

Encryption at rest and in transit

AES-256 envelope encryption with per-entry keys for the Digital Safe vault. TLS 1.3 in transit. No single key exposes all data, even in a worst-case breach.

Two-factor authentication

Optional TOTP MFA with backup codes for every account. OAuth users (Google, Microsoft) verify via email code for MFA management.

Instant session revocation

Sessions are revocable at the edge through Upstash Redis. Password changes, role changes, and admin revocation invalidate sessions instantly across all devices.

Role-based access control

Three roles (Client, Advisor, Admin) with row-level enforcement. Advisors only see households they are explicitly assigned to. Admins are fully audit-logged.

Tamper-evident audit logging

Administrative actions, document generation, client consent events, and every impersonation event land in a hash-chained audit log, so records cannot be silently altered or removed. Audit history is exportable for compliance review and evidentiary use.

Database isolation

Postgres with row-level security policies, prepared statements only, no raw SQL. Bcrypt password hashing. All credentials encrypted with AES-256-GCM.

Document generation server-side

No client data ever touches a third-party document service. Generation runs server-side in our infrastructure with full chain-of-custody logging.

Real-time error monitoring

Sentry integration in production with PII scrubbing. We see and triage every production error, usually before users report them.

Impersonation guardrails

Advisor and admin impersonation is HMAC-signed, time-limited (1-hour TTL), household-scoped, and audit-logged on both start and stop.

Document integrity locks

Every attorney-reviewed template is locked behind a SHA-256 integrity manifest verified in CI. A clause cannot change silently: template changes require a governance process and renewed attorney sign-off, with the reviewing attorney identified by name and bar number in the internal review log.

Rate limiting and account lockout

API rate limiting across authentication and sensitive endpoints. Failed login attempts trigger a timed account lockout. Both run in production, not just on paper.

Engineering verification

More than 9,400 automated tests run on every release, including contract tests on the AI guardrails and credentialed end-to-end coverage of the advisor and client surfaces. Dependency audits run in CI. The same rigor that protects the documents protects the codebase.

Roadmap

Controls aligned with SOC 2 Type II.

Our current control set already aligns with the SOC 2 trust services criteria across security, availability, confidentiality, and processing integrity. Formal SOC 2 Type II audit is on the roadmap. We are happy to walk a compliance team through our current posture, share a security questionnaire response, and execute a Business Associate Agreement on the Enterprise tier. For the day-to-day mechanics (MFA setup, session revocation, what to do on suspected unauthorized access), see the security and MFA help article. On the regulatory side, Bancroft and the unauthorized practice of law sets out where the platform draws the line between document assembly and legal advice.

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