Your financial life is yours. We built WealthOSX so it stays that way.

01What we collect

WealthOSX only holds the information you choose to give it. That falls into a few buckets:

• Account details. The email address you sign up with, and an encrypted password (we never see it in plain text).
• Financial information you enter. Accounts, balances, transactions, budgets, debts, goals, and bills — everything you type in or import from a CSV file you provide.
• AI coach conversations. The questions you ask the coach and the relevant financial context needed to answer them.
• Basic technical data. Standard app and device information (like app version and error logs) that helps us keep WealthOSX stable and fix crashes.

02What we don't collect

Just as important as what we hold is what we deliberately leave alone:

• Your bank login. WealthOSX has no bank connection. We never ask for, receive, or store your banking credentials, and we don't use aggregators like Plaid.
• A live feed of your accounts. Because there's no connection, there's no stream of your real-time transactions sitting on our servers.
• Your data, for sale. We don't sell, rent, or trade your personal or financial information to anyone, for any purpose.
• Location tracking or ad profiles. We don't build advertising profiles or track your location for marketing.

03How we use your information

We use what you give us for one thing: running WealthOSX for you. Specifically, to:

• Show your dashboard, budgets, net worth, and debt payoff projections.
• Generate responses from the AI coach based on your financial picture.
• Sync your data securely across your devices when you sign in.
• Send account and service messages (like password resets), and keep the app secure and working.

We don't use your financial data for advertising, and we don't use it to train AI models.

04Who we share it with

We don't sell your data, and we don't share it with anyone except the small set of service providers that make the app run. Each only handles what's needed for their job, and each is bound to keep it confidential:

• Cloud database & authentication (Supabase) — securely stores your account and the data you enter.
• AI provider — processes AI coach questions to generate a response. These queries aren't used to train AI models.
• Subscription management (RevenueCat, with the App Store) — handles free trials, purchases, and renewals. Payment details are processed by Apple, not stored by us.
• Email delivery (Resend) — sends account emails like sign-in and password-reset messages.

We may also disclose information if the law requires it, or to protect the rights and safety of our users and WealthOSX. If ownership of the app ever changes, we'll tell you before your information becomes subject to a different policy.

05Your choices and rights

It's your data, so you get to decide what happens to it. From inside WealthOSX you can:

• Access and export the information you've entered.
• Correct or update anything, anytime — you're the one entering it.
• Delete your account and the associated data.

Depending on where you live, you may have additional rights under laws like the GDPR (Europe) or CCPA/CPRA (California), including the right to request a copy of your data or ask us to delete it. We honor these requests regardless of where you're located — just email us. We'll never charge you or deny you service for exercising a privacy right.

06How we protect it

We use industry-standard safeguards to keep your information secure, including encryption in transit (TLS) and at rest, and access controls that make sure your data is visible only to you when you're signed in. No system is perfectly secure, but we take protecting your financial information seriously and design the app to hold as little as it needs.

07How long we keep it

We keep your information for as long as your account is active. When you ask to delete your account, we hold it in a recoverable state for a 30-day grace period — so that if you change your mind and sign back in, everything is restored. After 30 days, your data is permanently removed from our live systems.

Once data is removed from our live systems, residual copies may persist in our encrypted daily backups for up to 7 more days, after which they are automatically overwritten and gone for good.

08Children's privacy

WealthOSX is built for adults managing their finances and isn't intended for anyone under 18. We don't knowingly collect information from children. If you believe a child has provided us information, contact us and we'll delete it.

09Changes to this policy

We may update this policy as WealthOSX evolves or as laws change. When we make material changes, we'll let you know — through an in-app notice, an email, or a prominent note on this page. The date at the top always shows when it was last revised. If you don't agree with an update, you can export your data and delete your account at any time.

10Contact us

Questions, concerns, or privacy requests? We'd genuinely like to hear from you.

• Email: support@wealthosx.app
• Operated by: [FILL IN: legal name — your LLC or your legal name], in the United States
• Mailing address: [FILL IN: mailing address — a PO Box is fine for a solo operator]

We do our best to respond to privacy requests within 30 days (45 for California residents).

Thank you for trusting WealthOSX with your financial life. We know that trust isn't given lightly — and we work to deserve it.