Privacy Policy

Last updated: March 2026

1. Introduction

At WealthWise, we are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains what information we collect, how we use it, how we protect it, and what choices you have regarding your data.

By using WealthWise ("the Service"), you agree to the collection and use of information in accordance with this policy. We encourage you to read this policy carefully and contact us if you have any questions.

2. Information We Collect

Account Information

When you create an account, we collect basic information necessary to provide the Service:

  • Your name
  • Email address
  • Password (stored in hashed form; we never store or have access to your plain-text password)

Financial Data

All financial data within WealthWise is entered and managed by you. This may include:

  • Transaction records (amounts, dates, descriptions, categories)
  • Account names and balances
  • Budget configurations and spending limits
  • Financial goals and savings targets

WealthWise does not connect to your bank accounts or financial institutions directly. All financial data is manually entered by you and remains under your control.

Usage Data

We automatically collect certain information when you use the Service to help us improve your experience:

  • Pages visited and features used
  • Time spent on different sections of the application
  • Device type, browser type, and operating system
  • IP address and approximate geographic location
  • Referring URLs and how you arrived at the Service

Cookies and Similar Technologies

We use cookies and similar tracking technologies to maintain your session, remember your preferences, and understand how you interact with the Service. You can control cookie settings through your browser preferences, though disabling cookies may affect the functionality of the Service.

3. How We Use Your Information

We use the information we collect for the following purposes:

  • Providing the Service: Storing and displaying your financial data, generating reports, and powering the core features of WealthWise
  • Improving the Service: Analyzing usage patterns to identify areas for improvement, fix bugs, and develop new features
  • Communications: Sending transactional emails (password resets, account notifications), and optional product updates or tips that you can opt out of at any time
  • Customer Support: Responding to your requests, troubleshooting issues, and providing assistance
  • Security: Detecting and preventing fraud, abuse, and unauthorized access to the Service

4. Data Storage and Security

We implement robust security measures to protect your data:

  • Encryption at rest: All stored data is encrypted using AES-256 encryption
  • Encryption in transit: All data transmitted between your device and our servers is protected with TLS (Transport Layer Security)
  • Access controls: Strict role-based access controls limit who can access production data within our organization
  • Regular audits: We conduct periodic security audits and vulnerability assessments to identify and address potential risks
  • Password security: Passwords are hashed using industry-standard algorithms and are never stored in plain text

5. Data Sharing

We do not sell, rent, or trade your personal or financial data to third parties.

We may share limited information only in the following circumstances:

  • Service providers: We work with trusted third-party providers who assist in operating the Service (such as hosting, analytics, and email delivery). These providers are contractually obligated to protect your data and may only use it to perform services on our behalf
  • Legal requirements: We may disclose your information if required to do so by law, regulation, legal process, or governmental request
  • Safety and protection: We may share information when we believe in good faith that disclosure is necessary to protect the rights, property, or safety of WealthWise, our users, or the public

6. Your Rights

You have the following rights regarding your data:

  • Access your data: You can view all personal and financial data associated with your account at any time through the Service
  • Export your data: You can export your financial data in CSV or JSON format through the account settings, giving you full portability of your information
  • Delete your account and data: You can delete your account at any time through the account settings. Upon deletion, all your personal and financial data will be permanently removed from our active systems
  • Opt out of communications: You can unsubscribe from optional product updates and marketing emails at any time. Transactional emails related to your account security and service operation will continue
  • Correct your data: You can update or correct your personal information through the account settings at any time

7. Data Retention

We retain your personal and financial data for as long as your account is active and as needed to provide you with the Service.

When you delete your account, we will permanently delete your data from our active systems within 30 days. Some data may be retained in encrypted backups for up to 90 days after deletion, after which it will be permanently removed. We may retain certain anonymized, aggregated data that cannot be linked back to you for analytical purposes.

8. Children's Privacy

WealthWise is not designed for or directed at individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a person under 18, we will take steps to delete that information promptly. If you believe a child has provided us with personal data, please contact us at hoangson091104@gmail.com.

9. International Data Transfers

Your data may be processed and stored in servers located in different jurisdictions. By using the Service, you consent to the transfer of your information to facilities and servers located outside of your jurisdiction, where data protection laws may differ from those in your country.

We take appropriate safeguards to ensure that your data is treated securely and in accordance with this Privacy Policy regardless of where it is processed or stored.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:

  • Update the "Last updated" date at the top of this page
  • Notify you of material changes via email or through an in-app notification
  • Provide a summary of what changed for significant updates

Your continued use of the Service after any changes to this Privacy Policy constitutes your acceptance of the updated policy. We encourage you to review this page periodically.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please contact us at:

hoangson091104@gmail.com

We will respond to your inquiry within 30 days. For data deletion or export requests, we will process your request within the timeframes described in our Terms of Service.