Privacy Policy

Last updated: January 2025

Overview

At wiz≡r, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance application.

Information We Collect

Personal Information

When you register for an account, we collect:

• Name and email address
• Phone number (for verification)
• Date of birth (optional)
• Password (encrypted and hashed)

Financial Information

Through our integration with Plaid, we access:

• Account balances
• Transaction history (merchant, amount, date, category)
• Account and routing numbers (for account identification only)

We never store your bank login credentials. Authentication is handled entirely by Plaid using bank-level security.

Usage Data

We automatically collect:

• Device information (type, operating system, browser)
• IP address and general location
• App usage patterns and feature interactions
• Error logs for troubleshooting

How We Use Your Information

We use your information to:

• Calculate and display your savings rate and financial metrics
• Categorize transactions and provide spending insights
• Generate personalized habit-building advice cards
• Track progress toward your savings goals
• Send you alerts and notifications you've opted into
• Improve and optimize our Service

Data Sharing and Disclosure

We do not sell your personal information. We may share data with:

• Plaid: To connect to your financial institutions
• Service Providers: Companies that help us operate (hosting, analytics)
• Legal Requirements: When required by law or to protect our rights

Data Security

We implement industry-standard security measures:

• 256-bit AES encryption for data at rest
• TLS 1.3 encryption for data in transit
• Regular security audits and penetration testing
• SOC 2 Type II compliance (Plaid)
• Multi-factor authentication options

Data Retention

We retain your data for as long as your account is active. Transaction history is kept for up to 3 years to provide historical analysis. Upon account deletion, we remove your personal data within 30 days, except where retention is required by law.

Your Rights

Depending on your location, you may have the right to:

• Access and download your personal data
• Correct inaccurate information
• Delete your account and data
• Opt-out of marketing communications
• Restrict or object to certain processing

California Privacy Rights (CCPA)

California residents have additional rights under the CCPA, including the right to know what personal information is collected, request deletion, and opt-out of the sale of personal information. Since we do not sell personal information, the opt-out right does not apply.

Children's Privacy

wiz≡r is not intended for children under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us.

Contact Us

If you have any questions about this Privacy Policy, please contact us at [email protected].

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