> ## Documentation Index
> Fetch the complete documentation index at: https://tendrill.ai/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Data Sync & Refresh

> How often your portfolio data updates and what data Tendrill uses

## Always up to date

Tendrill keeps your portfolio data fresh through automatic syncing and on-demand refreshes. Here's how the data flows and what to expect.

## Sync frequency overview

| Data Type         | Update Frequency | Notes                                 |
| ----------------- | ---------------- | ------------------------------------- |
| **Holdings**      | Every 24 hours   | Automatic overnight sync              |
| **Balances**      | Every 24 hours   | Reflects end-of-day values            |
| **Transactions**  | Every 24 hours   | New trades appear next day            |
| **Stock prices**  | Real-time        | Live market data during trading hours |
| **News & events** | Continuous       | Monitored 24/7                        |

<Info>
  **Real-time where it matters.** While your holdings sync daily, Tendrill monitors real-time market data to catch price movements and breaking news as they happen.
</Info>

## How data flows through Tendrill

<CardGroup cols={2}>
  <Card title="Your Brokerage" icon="building-columns">
    Holdings, transactions, and balances flow securely to Plaid
  </Card>

  <Card title="Plaid (Secure API)" icon="shield-check">
    Encrypted, read-only access with daily sync
  </Card>

  <Card title="Tendrill Servers" icon="server">
    Portfolio model and analysis, combined with market data
  </Card>

  <Card title="Your Phone" icon="mobile">
    Alerts, insights, and conversations delivered via text
  </Card>
</CardGroup>

## Portfolio data (via Plaid)

### What syncs automatically

Every night (typically between 2-5 AM in your timezone), Tendrill refreshes your portfolio data:

* **Current holdings** - What stocks, ETFs, and funds you own
* **Share quantities** - How many shares of each position
* **Account balances** - Total value of each account
* **Cost basis** - Your purchase price (when available from brokerage)
* **Recent transactions** - Buys and sells from the past 30 days

### Timing considerations

<Columns cols={2}>
  <Card title="Trades placed during the day" icon="clock">
    Trades executed during market hours will appear in Tendrill the following day after the overnight sync.
  </Card>

  <Card title="Pending transactions" icon="hourglass">
    Unsettled trades may show as pending. They'll reflect final values after T+1 or T+2 settlement.
  </Card>
</Columns>

### Manual refresh

Need fresher data? You can trigger a sync anytime:

**Via text:**

```
You: Refresh my portfolio

Tendrill: Refreshing now... 🔄

Done! Your portfolio is up to date.
• 12 holdings synced
• Last trade detected: AAPL buy on Jan 5
• Current value: $127,890
```

**Via dashboard:**

* Click the refresh icon next to any account
* Or use the "Refresh All" button

<Note>
  Manual refreshes are limited to a few per hour per account to comply with brokerage rate limits.
</Note>

## Market data (real-time)

While portfolio holdings sync daily, Tendrill uses real-time market data for:

### Live stock prices

* **During market hours** (9:30 AM - 4:00 PM ET): Real-time quotes
* **Pre-market & after-hours**: Extended hours pricing where available
* **Weekends & holidays**: Last closing price

### News monitoring

Tendrill continuously scans thousands of sources for news about your holdings:

| Source Type           | Examples                            | Check Frequency |
| --------------------- | ----------------------------------- | --------------- |
| Financial news        | Reuters, Bloomberg, CNBC            | Real-time       |
| Company announcements | Press releases, SEC filings         | Real-time       |
| Analyst reports       | Upgrades, downgrades, price targets | As released     |
| Social sentiment      | Major discussions and trends        | Hourly          |

### Earnings & events calendar

Tendrill maintains an up-to-date calendar of:

* Earnings report dates
* Ex-dividend dates
* Stock split announcements
* Fed meetings and economic releases

## Understanding data freshness in alerts

When Tendrill sends you an alert, here's what data it's using:

> **Tendrill** - Today 10:30 AM
>
> \$NVDA is up 4.2% this morning after strong AI chip demand forecasts.
>
> * Your position: 50 shares *(from last sync)*
> * Current price: \$892.45 *(real-time)*
> * Your gain today: +\$1,870 *(calculated live)*
>
> I'll let you know if it moves significantly from here.

## Handling data discrepancies

Sometimes you might notice small differences between Tendrill and your brokerage:

### Common causes

| Discrepancy           | Likely Cause                | Resolution                              |
| --------------------- | --------------------------- | --------------------------------------- |
| Different share count | Recent trade not yet synced | Wait for next sync or manual refresh    |
| Value doesn't match   | Price timing differences    | Tendrill may use a different quote time |
| Missing position      | New purchase                | Will appear after overnight sync        |
| Extra position        | Recent sale                 | Will update after overnight sync        |

### When to be concerned

<Warning>
  Contact support if you notice:

  * Holdings missing for more than 48 hours after purchase
  * Significant value discrepancies that persist after refresh
  * Positions showing that you've never owned
</Warning>

## Cost basis data

Cost basis (your original purchase price) is important for calculating gains and losses:

| Scenario                              | Cost Basis Availability          |
| ------------------------------------- | -------------------------------- |
| Stocks purchased at current brokerage | Usually available                |
| Transferred positions                 | May not transfer with cost basis |
| Older purchases                       | Depends on brokerage records     |
| Inherited securities                  | Often shows as \$0 cost basis    |

<Tip>
  If your cost basis is missing or incorrect, your gain/loss calculations may be off. You can often update cost basis directly with your brokerage.
</Tip>

## Data retention

Tendrill's approach to your data:

* **Active data**: Kept as long as your account is connected
* **After disconnection**: Deleted within 24 hours
* **Conversation history**: Retained separately (not tied to portfolio data)
* **No third-party sharing**: Your data is never sold or shared

<Card title="Learn about our privacy practices" icon="shield-check" href="/privacy-security/data-protection">
  Read our full data protection policy
</Card>

## FAQ

<AccordionGroup>
  <Accordion title="Why do I see yesterday's balance?">
    Portfolio balances reflect the most recent overnight sync. For the latest value, trigger a manual refresh or check your brokerage directly for real-time balance.
  </Accordion>

  <Accordion title="How do stock splits affect my data?">
    Stock splits are reflected in both share count and price automatically. There may be a brief period where data looks unusual during the split processing.
  </Accordion>

  <Accordion title="Are dividend reinvestments captured?">
    Yes, dividend reinvestments (DRIP) will appear as new purchases in your transaction history and update your share counts.
  </Accordion>

  <Accordion title="What about options and other derivatives?">
    Options positions may have limited support depending on your brokerage. Stock holdings are fully supported across all connected accounts.
  </Accordion>
</AccordionGroup>