1. Introduction

WealthInfer ("we", "our", or "us") is committed to protecting your privacy in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application, website, and services.

By providing us with your personal information, you are consenting to the collection, use, and sharing of your personal information as described in this Privacy Policy. If we make significant changes to our privacy practices, we will notify you via email or through the App.

2. Information We Collect

Information you provide:

• Account Information: Email address, name, phone number, and password (encrypted)
• Financial Data: Bank account balances, transactions, and account details accessed through secure partners (e.g., Plaid)
• Device Information: Device type, operating system, and app usage data

Information collected automatically:

• Usage data and interactions with the App
• Analytics data to improve our services
• Error logs and performance data

3. How We Use Your Information

• To provide and maintain our financial tracking services
• To calculate your net worth and display account balances
• To send important notifications and alerts
• To improve and personalize your experience
• To verify your identity and prevent fraud
• To meet legal and regulatory requirements
• To analyze usage patterns and improve our services

4. We Do Not Sell Your Data

We do not sell your personal information to third parties. Your data is used solely to provide and improve our services. We may share anonymized, aggregated data that cannot be used to identify individuals for analytics and reporting purposes.

5. Third-Party Services

We use the following third-party services to provide our App:

• Plaid: To securely connect to your financial institutions and retrieve account data. When you link your bank accounts, your information is shared with Plaid in accordance with their privacy policy.
• Cloud Hosting: For secure cloud hosting, data storage, email communications, and SMS services. All data is stored in Canada.
• Bank of Canada: Exchange rates are provided by the Bank of Canada Valet API for currency conversion purposes.
• Analytics Services: We use analytics tools to understand how users interact with our App and website to improve our services.

These service providers are contractually obligated to protect your data and may only use it for the purposes we specify.

6. Data Storage and Location

Your personal information is stored and processed in Canada using secure cloud infrastructure. All data remains in Canada unless otherwise noted for a specific service. Your data is subject to Canadian laws and regulations, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

7. Data Security

We implement industry-standard security measures to protect your information, including:

• End-to-end encryption for sensitive data in transit (TLS 1.2+) and at rest (AES-256)
• Secure token storage for bank connections (we never store your bank credentials)
• Two-factor authentication (TOTP) available for your account
• Regular security audits and monitoring
• Access controls limiting employee access to data on a need-to-know basis

8. Your Security Responsibilities

To protect your account, we encourage you to:

• Enable two-factor authentication in your account settings
• Use a strong, unique password for WealthInfer
• Never share your password with anyone
• Limit access to your devices and browsers
• Log out after using WealthInfer on shared devices

Important: We will never ask you for your password in any unsolicited communication (such as emails, phone calls, or text messages). If you receive such a request, please report it to us immediately.

9. Data Breach Notification

In the event of a security breach that affects your personal information, we will notify you via email as soon as practicable. We maintain incident response procedures to address any security incidents promptly and effectively.

10. Children's Privacy

Our App is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information promptly.

11. Marketing Communications

From time to time, we may send you emails about WealthInfer products, services, or features. You can opt-out at any time by following the unsubscribe link or contacting us.

12. PIPEDA Compliance & Individual Access

As a Canadian company, we comply with PIPEDA. You have the right to:

• Access your personal information in our custody
• Request correction of inaccurate data
• Withdraw consent and delete your account via App settings
• Export your data

13. Data Retention

We retain your data for as long as your account is active. Upon account deletion, all personal data is permanently removed from our active systems within 30 days. Backup data is deleted within 90 days.

14. Cookies and Analytics

Our website uses cookies and analytics tools. Please see our Cookie Policy for details.

15. Changes to This Policy

We may update this Privacy Policy from time to time. We will indicate the date of the latest revision at the top of this document. Significant changes will be notified via email.