PRIVACY POLICY
Your privacy matters to Us
How we protect and use your Information.
Introduction
Wellthplan (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access or use our website, mobile applications, financial tools, dashboards, budgeting features, and related services (collectively, the “Services”). By accessing or using our Services, you acknowledge that you have read and understood this Privacy Policy.
Information we collect
We collect information you provide directly to us, information we collect automatically when you use our Services, and information from third parties. A. Information You Provide We collect information you provide to us. For example, we collect information from you when you: Create or register a Finn account Connect financial accounts or link third-party financial institutions Fill out forms or otherwise submit content through our Services Set up budgets, financial goals, or dashboards Apply for, inquire about, or evaluate financial products Make a purchase or subscribe to paid features Communicate with us via email, chat, SMS, or third-party platforms Participate in a contest, promotion, survey, or referral program Request customer support or information about our Services Use the chat or AI assistant functionality within our Services Upload documents or financial records Otherwise communicate or interact with us B. Information We Collect Automatically When you use the Services, we may automatically collect IP address Device identifiers Browser type and version Operating system Referring URLs Pages viewed and time spent App usage data Log files Approximate geolocation derived from IP address Cookies and similar tracking technologies C. Information We Collect From Other Sources We may obtain information about you from third-party sources in certain circumstances. For example we may collect information from: Identity verification and fraud prevention providers Credit bureaus (including information from your credit report, where authorized) Financial institutions and account servicing companies Payment processors Analytics providers Advertising networks and marketing partners Mailing list providers Data aggregation providers Service providers and data partners Publicly available sources D. Device Permissions / Camera Access With your permission, the App may access your device’s camera to enable features such as scanning receipts. Any images or videos captured are used solely for these purposes and are not accessed without your explicit consent.
Financial Account Integration
We may allow or require you to integrate or connect your Wellthplan account with third-party financial services through trusted service providers, including Plaid Inc. (“Plaid”) and similar financial data aggregators. When you choose to connect your bank, credit card, loan, or investment accounts through Plaid or another integration partner: Identity verification and fraud prevention providers Credit bureaus (including information from your credit report, where authorized) Financial institutions and account servicing companies Payment processors Analytics providers Advertising networks and marketing partners Mailing list providers Data aggregation providers Service providers and data partners Publicly available sources You authorize Finn and the third-party provider to access and transmit your financial account information. Certain information may be imported directly into Finn rather than you having to upload it manually. The third-party provider’s collection and processing of your information is governed by their own privacy policy and terms of service. Through these integrations, we may receive information such as: Financial account identifiers and account owner information Account balances Transaction histories Credit account information Loan account information Mortgage information Investment account holdings and performance data Payment history Income and payroll-related data (where available) Employment-related information Account metadata and categorization information The information we receive depends on the accounts you connect, the permissions you grant, and the data made available by the third-party provider. We use this information to: Provide budgeting tools and dashboards Categorize transactions Generate financial insights and projections Help you evaluate financial products Improve the functionality and accuracy of our Services Detect fraud and maintain security You may disconnect a linked financial account at any time through your Finn account settings, though previously collected data may be retained in accordance with this Privacy Policy and applicable law.
How we use your information
We use your information to: Provide, operate, and improve Finn’s Services Create and manage your account Connect and display financial account data Provide budgeting insights, projections, and analytics Recommend financial tools or services Process transactions and subscriptions Communicate service updates and support responses Personalize content and user experience Conduct research and product development Detect, prevent, and investigate fraud or security incidents Comply with legal and regulatory obligations Enforce our Terms of Service We may also create aggregated or de-identified information that cannot reasonably be used to identify you.
How we share your information
We may share your information: With Service Providers With vendors who help us operate Finn (e.g., hosting providers, analytics providers, identity verification services, payment processors). With Financial Data Partners When you direct us to connect accounts or interact with financial institutions. For Legal Reasons To comply with law, legal process, regulatory obligations, or to protect rights, safety, and property. Business Transfers In connection with a merger, acquisition, restructuring, financing, or sale of assets. With Your Consent When you explicitly authorize us to share information. We do not sell your personal financial information.
Cookies and tracking technologies
We use cookies, pixels, SDKs, and similar technologies to: Authenticate users Remember preferences Analyze usage patterns Improve performance Deliver relevant content You can manage cookies through your browser settings, though some features may not function properly without them.
Data Security
We implement administrative, technical, and physical safeguards designed to protect your information, including: Encryption in transit Secure authentication practices Access controls Monitoring for suspicious activity However, no system can guarantee absolute security.
Data Retention
We retain your data for the duration of your active account. Transaction data associated with disconnected institutions is retained for historical visibility but is no longer synced. Soft-deleted transactions are permanently purged after 90 days. Webhook logs are retained for 1 year for debugging purposes.
Data Deletion
You may request complete deletion of your account and all associated data at any time. Upon receiving a deletion request, we will: revoke all Plaid access tokens and disconnect your financial institutions, permanently delete all stored transactions, account data, balances, messages, and profile information, and remove your authentication credentials. Deletion requests are processed within 30 days. You may also disconnect individual financial institutions from within the app, which revokes our access to that institution and stops all data syncing.
Your rights and choices
Depending on your jurisdiction, you may have rights to: Access your personal information Correct inaccurate information Request deletion Restrict or object to processing Request portability Opt out of certain data sharing To exercise these rights, contact us at privacy@wellthplan.com
Changes to this policy
We may update this Privacy Policy periodically. We will revise the “Last Updated” date and provide notice where required by law.
Contact Us
If you have any questions about this Privacy Policy, please contact us at privacy@wellthplan.com