Privacy Policy

Effective date: March 3, 2026

1. Introduction

Wlth ("we", "our", or "us") operates the Wlth web application. This Privacy Policy explains how we collect, use, and protect your personal information when you use our service.

2. Information We Collect

Account Information

• Email address
• First and last name (optional)
• Password (stored securely using industry-standard hashing)

Financial Data

When you link your bank accounts through our third-party provider (Teller), we collect:

• Bank account names, types, and balances
• Transaction history (date, amount, description, merchant)
• Account metadata (interest rates, minimum payments where applicable)

Data You Provide

• Budgets and budget categories
• Financial goals
• Income records
• Transaction categorizations and rules

Automatically Collected

• Session and authentication data
• Theme preferences

3. How We Use Your Information

We use your information solely to provide and improve the Wlth service, including:

• Displaying your financial data within the application
• Generating budget summaries, net worth calculations, and goal tracking
• Sending account verification and password reset emails
• Maintaining the security of your account

4. Third-Party Services

We use Teller to securely connect to your bank accounts. Teller acts as an intermediary and handles your bank login credentials directly — we never see or store your bank username or password. Teller's privacy practices are governed by their own privacy policy.

We use Resend for transactional email delivery (account verification, password resets).

5. Data Sharing

We do not sell, rent, or share your personal or financial data with third parties for marketing or advertising purposes. Data is only shared with the third-party service providers listed above, solely for the purpose of operating the service.

6. Data Security

We take reasonable measures to protect your data, including encrypted data transmission (HTTPS), secure password storage, account lockout protections, and optional two-factor authentication. However, no method of electronic storage is 100% secure.

7. Data Retention & Deletion

We retain your data for as long as your account is active. You may delete your account at any time from your Profile page, which will permanently remove all of your data from our systems.

8. Your Rights

You have the right to:

• Access the personal data we hold about you
• Correct inaccurate data via your Profile settings
• Delete your account and all associated data
• Disconnect linked bank accounts at any time

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify registered users of material changes via email or a notice within the application.

10. Contact

If you have questions about this Privacy Policy, please contact us at [your-email@example.com].