diff --git a/changes/552.fixed.md b/changes/552.fixed.md
new file mode 100644
index 00000000..0212b6cc
--- /dev/null
+++ b/changes/552.fixed.md
@@ -0,0 +1,3 @@
+**Connected apps and memory-off chats no longer see your name in Sentient's personality.** The name you gave at setup is
+written into the personality file, so a chat with memory off (a connected app, or an incognito chat) could still reveal
+it. Now that chat reads "the user" there, and keeps the rest of the personality. Normal chats still use your name.
diff --git a/sentient/agent/loop.py b/sentient/agent/loop.py
index 8dfc3901..2a735468 100644
--- a/sentient/agent/loop.py
+++ b/sentient/agent/loop.py
@@ -56,7 +56,7 @@
 from sentient.agent import undo as undo_rules
 from sentient.agent.approvals import ApprovalBroker
 from sentient.agent.chat_rules import WAIT_S, pending_asks, standing_text
-from sentient.agent.prompt import build_system_prompt, frame_api_request, mark_outside
+from sentient.agent.prompt import build_system_prompt, frame_api_request, mark_outside, without_name
 from sentient.agent.sources import AnswerSources
 from sentient.agent.toolselect import ToolSelector, is_local_model
 from sentient.app_names import clean_app_name, framed_app_name
@@ -794,8 +794,11 @@ async def _system_prompt_with_sources(
         sources.add_facts(facts)
         sources.add_insights(insights)
         snapshot = self.workspace.snapshot()
-        if not reads_memory:  # only the persona: no profile, memory file or daily notes
-            snapshot = {k: (v if k == "soul" else "") for k, v in snapshot.items()}
+        if not reads_memory:  # only the persona, without the user's name: no profile, memory file or daily notes (#552)
+            snapshot = {
+                k: (without_name(v, self.config.assistant.user_name) if k == "soul" else "")
+                for k, v in snapshot.items()
+            }
         elif not personal:  # MEMORY.md, daily notes and USER.md's learned facts come from personal memories (#155)
             snapshot = {
                 **snapshot, "memory": "", "today": "", "yesterday": "",
diff --git a/sentient/agent/prompt.py b/sentient/agent/prompt.py
index c8c99ba5..27e1a82a 100644
--- a/sentient/agent/prompt.py
+++ b/sentient/agent/prompt.py
@@ -27,6 +27,21 @@
 - Keep replies short. Plain language. Match the user's tone.
 """
 
+
+def replace_name(text: str, name: str, replacement: str) -> str:
+    """``text`` with the user's ``name`` replaced by ``replacement``. Whole-word, any case."""
+    name = (name or "").strip()
+    if not name:
+        return text
+    return re.sub(rf"(?<!\w){re.escape(name)}(?!\w)", lambda _: replacement, text, flags=re.IGNORECASE)
+
+
+def without_name(text: str, name: str) -> str:
+    """``text`` with the user's ``name`` replaced by "the user" (#552), for a turn that must not reveal who they are:
+    SOUL.md is written with the name in it ("You are Sentient, Maya's assistant...")."""
+    return replace_name(text, name, "the user")
+
+
 # ---------------------------------------------------------------------- outside content (spotlighting, ADR 0023)
 # Tool results that can carry text someone else wrote (rules.brings_untrusted) are wrapped in markers before the model
 # reads them, and the system prompt says once that marked text is data. The code in the markers comes from a secret
diff --git a/sentient/app.py b/sentient/app.py
index 33fcf7a8..7a59ca04 100644
--- a/sentient/app.py
+++ b/sentient/app.py
@@ -32,6 +32,7 @@
 from sentient.agent.grants import GrantStore
 from sentient.agent.incognito import IncognitoSweeper
 from sentient.agent.loop import Agent
+from sentient.agent.prompt import replace_name
 from sentient.agent.subagents import SubagentManager
 from sentient.agent.undo import UndoBroker
 from sentient.backup import BackupService
@@ -184,10 +185,12 @@ async def user_seen(self, surface: str) -> None:
 
     def save_config(self, config: SentientConfig | None = None) -> None:
         """Persist and hot-apply configuration."""
+        previous_name = self.config.assistant.user_name
         if config is not None:
             self.config = config
         moved = self._claude_code_switched()
         save_config(self.config)
+        self._carry_name_into_persona(previous_name, self.config.assistant.user_name)
         if self.config.integrations.mcp_server_enabled:
             # turning the MCP server on issues its own narrow token in the keychain (#443, ADR 0034);
             # a keychain problem must never break saving settings, the status endpoint reports it
@@ -210,6 +213,16 @@ def save_config(self, config: SentientConfig | None = None) -> None:
         if moved:
             self._note_claude_code(moved)
 
+    def _carry_name_into_persona(self, previous: str, current: str) -> None:
+        """SOUL.md is written with the user's name (#552): when the name changes in settings, the persona follows it,
+        so a turn without memory never shows the old name. Only that name is replaced; the rest of the file stays."""
+        if not previous.strip() or previous.strip() == current.strip() or not self.workspace.soul.exists():
+            return
+        text = self.workspace.soul.read_text(encoding="utf-8")
+        updated = replace_name(text, previous, current.strip() or "the user")
+        if updated != text:
+            self.workspace.write("soul", updated)
+
     def _claude_code_switched(self) -> list[dict]:
         """Claude Code doing everything (#444, ADR 0032) was just turned off: move the roles still on it that refuse it
         now to another model (in place, before saving). Returns what moved, or [] when nothing changed."""
diff --git a/tests/test_memory_off_turns.py b/tests/test_memory_off_turns.py
index 0b7dd857..e0e8be94 100644
--- a/tests/test_memory_off_turns.py
+++ b/tests/test_memory_off_turns.py
@@ -211,3 +211,50 @@ async def test_a_script_gets_no_memory_tools_from_a_turn_without_memory(app):
     assert res["ok"], res
     assert str(res["result"]["got"]).startswith("refused") and not MEMORY_TOOLS & set(res["result"]["available"])
     assert "Anika" not in json.dumps(res)
+
+
+async def test_a_turn_without_memory_keeps_the_persona_but_not_the_users_name(app):
+    """SOUL.md is written with the name in it at onboarding (#552): without memory the prompt says "the user"."""
+    from sentient.memory.personas import render_persona
+
+    app.workspace.write("soul", render_persona("professional", name="Sentient", user="Maya"))
+    sid = await _private_chat(app)
+    app.fake.replies.append("Hello.")
+    await _turn(app, sid, "what's my name?")
+    private = app.fake.calls[0]["messages"][0]["content"]
+    assert "Maya" not in private
+    assert "the user's chief of staff" in private  # the persona stays
+
+    sid = await app.store.create_session(channel="desktop")
+    app.fake.replies.append("Hello.")
+    await _turn(app, sid, "hi")
+    assert "Maya's chief of staff" in app.fake.calls[-1]["messages"][0]["content"]  # a normal chat still has it
+
+
+async def test_the_v1_api_without_memory_does_not_reveal_the_name_from_soul(app):
+    app.config.openai_api.allow_memory = False
+    assert "Maya" in app.workspace.snapshot()["soul"]  # the default persona names the user
+    prompt = await app.agent.system_prompt("what's my name?", "api")
+    assert "Maya" not in prompt
+
+
+async def test_renaming_the_user_in_settings_moves_the_persona_to_the_new_name(app):
+    """The settings routes change the name without rewriting SOUL.md, so the old name must not stay behind (#552)."""
+    from sentient.memory.personas import render_persona
+
+    app.workspace.write("soul", render_persona("professional", name="Sentient", user="Maya"))
+    cfg = app.config.model_copy(deep=True)
+    cfg.assistant.user_name = "Sam"
+    app.save_config(cfg)
+    assert "Maya" not in app.workspace.snapshot()["soul"]
+    assert "Sam's chief of staff" in app.workspace.snapshot()["soul"]
+    app.config.openai_api.allow_memory = False
+    assert "Maya" not in await app.agent.system_prompt("what's my name?", "api")
+
+
+def test_without_name_replaces_whole_words_in_any_case():
+    from sentient.agent.prompt import without_name
+
+    assert without_name("Maya's bot. MAYA and Mayan.", "Maya") == "the user's bot. the user and Mayan."
+    assert without_name("Dr. Maya Rao's bot", "Maya Rao") == "Dr. the user's bot"
+    assert without_name("unchanged", "") == "unchanged"