Privacy Policy

1. Scope and contact

This policy applies to Wealthly AI on supported mobile platforms and to the support and policy pages on this website. For privacy questions or requests, contact caypoh23@gmail.com.

2. Information we process

Account information

If you sign in, we process identifiers provided by your authentication method, such as a user ID, email address, display name, or profile image. Guest use may be available without creating a cloud account.

Financial and user-provided content

You may provide account names, balances, transactions, categories, budgets, goals, recurring plans, notes, receipt images, documents, voice input, and questions you ask through AI features. Wealthly does not ask for or connect to your online-banking credentials.

Device, diagnostics, and usage information

The app and integrated service providers may process app version, device type, operating system, language, crash diagnostics, performance information, feature interactions, notification tokens, and network information such as IP address. These help operate, secure, and improve the app.

Purchases

Apple App Store or Google Play processes your payment details. Wealthly receives purchase and entitlement information needed to unlock and restore paid features; it does not receive your full payment-card details.

3. How information is used

• Provide local budgeting, tracking, analytics, and backup tools.
• Authenticate users and sync data across their devices.
• Process receipt, voice, document, and chat requests that the user deliberately submits to an AI feature.
• Restore purchases and manage access to paid functionality.
• Deliver user-requested notifications, diagnose failures, prevent abuse, and improve reliability.
• Respond to support, privacy, and deletion requests.

We do not sell your personal or financial data.

4. Local storage, sync, and security

Wealthly stores ledger data locally so core features can work offline. When you sign in and enable online features, account-scoped data may be synced using authenticated cloud services. We use access controls, transport encryption, server-side authorization rules, and platform-provided device protections. No security measure can guarantee absolute protection, so keep your device and sign-in methods secure.

5. AI features and permissions

When you choose receipt scan, voice capture, document import, or finance chat, relevant text, image, audio, or document content may be sent through Wealthly's server-side service to an AI provider for that request. AI output can be incomplete or wrong; review financial details before saving or acting on them.

Camera, photo-library, microphone, speech-recognition, files, and notification permissions are requested only when needed for the feature you choose. You can control these permissions in device settings.

6. Service providers

Information may be processed by service providers that help deliver the app:

• Firebase: authentication, analytics, crash diagnostics, messaging, and configuration.
• Supabase: account-scoped database, storage, sync, and server-side functions.
• OpenAI: processing content submitted to enabled AI features through a server-side proxy.
• Apple and Google: sign-in, app distribution, purchases, and subscription management.

Providers process data under their own terms and privacy policies. Data may be processed in countries other than your own.

7. Retention and deletion

Local information remains on your device until you remove it, delete the account, clear the app's data, or uninstall the app. Synced information is retained while your account is active and as needed to provide requested services.

Account deletion permanently removes the account and associated ledger data from Wealthly's active systems. Service-provider logs or backup copies may remain temporarily under security and rotation schedules, and limited records may be retained where required by law, fraud prevention, dispute resolution, or enforcement of agreements. Store subscriptions must be cancelled separately through Apple or Google.

8. Your choices and rights

Depending on where you live, you may have rights to access, correct, export, object to, restrict, or delete personal information. Wealthly also provides in-app editing, backup/export, permission controls, and account deletion. Email us to exercise a right not available in the app; we may need to verify that the request concerns your account.

9. Children

Wealthly is not directed to children under 13, or the minimum age required to consent to data processing in their country. We do not knowingly collect personal information from children below that age. Contact us if you believe a child has provided information.

10. Changes to this policy

We may update this policy as features, providers, or legal requirements change. The effective date above identifies the current version. Material changes may also be communicated in the app or through an appropriate notice.