Privacy Policy

01 Information We Collect

We collect information you provide directly to us, information collected automatically when you use our sites, and information we receive from third parties. WealthNest uses third-party data aggregators (such as Plaid) to verify account status. We do not see or store your financial institution login credentials, and we only store truncated or tokenized versions of account identifiers necessary for payroll routing. Because we facilitate financial incentives, we treat your data in accordance with the Gramm-Leach-Bliley Act (GLBA) and applicable state financial privacy laws.

Information you provide directly:

• Contact information such as your first and last name, work email address, and job title when you submit a guide request, demo request, or contact form
• Company information such as company name, employee headcount, and payroll provider when you register interest in our savings program
• Communications you send us, including emails to hello@wealthnest.finance or responses to surveys
• Any other information you choose to provide when interacting with our sites or team

Information collected automatically:

• Log data including your IP address, browser type and version, operating system, referring URL, pages visited, and timestamps
• Device information including hardware model, unique device identifiers, and mobile network information
• Usage data including how you navigate our pages, which links you click, and how long you spend on each page
• Cookies and similar tracking technologies as described in Section 4

Information from third parties: We may receive information about you from analytics providers, advertising partners, and business intelligence tools. We combine this information with data we collect directly to improve our services and marketing.

02 How We Use Your Information

We use the information we collect for the following purposes:

We do not sell your personal information to third parties for their own marketing purposes. We do not use your information to display third-party advertisements on our sites.

03 How We Share Your Information

We share your information only in the following circumstances:

• Service providers: We share information with vendors and service providers who assist us in operating our business, including email delivery platforms, CRM software, analytics services, and cloud hosting providers. These providers are contractually obligated to use your information only to provide services to us and to maintain appropriate security measures.
• Business partners: If you express interest in a product or service offered in partnership with a third party, we may share your information with that partner with your knowledge and, where required, your consent. If you choose to open an account with a recommended partner, we may share basic identifiers (Name, Email) to facilitate the account opening process at your direction.
• Legal requirements: We may disclose your information if required to do so by law, regulation, or legal process, or if we believe in good faith that such disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
• Business transfers: In the event of a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our site of any change in ownership or uses of your personal information.
• AI training: We use de-identified, aggregated data to improve our AI coaching models. We do not use your specific, identifiable financial transactions to train third-party large language models.
• With your consent: We may share your information for other purposes with your explicit consent.

We do not sell, rent, or trade your personal information with third parties for their own commercial purposes.

04 Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and use personal information about you. Cookies are small data files placed on your device when you visit our sites.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our sites. You may also opt out of analytics tracking by installing browser extensions such as the Google Analytics Opt-out Browser Add-on.

05 Data Retention

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements.

• Lead and contact data (e.g., guide download requests, demo inquiries) is retained for up to 3 years from last engagement, after which it is deleted or anonymized unless an active customer relationship has been established.
• Email communication records are retained for 2 years from the date of the communication.
• Analytics data is retained in aggregated, anonymized form indefinitely. Identifiable analytics data is retained for 14 months in line with standard analytics platform retention policies.
• Legal and compliance records are retained for the period required by applicable law, which is typically 7 years for financial and business records.

If you request deletion of your data, we will delete or anonymize it within 30 days, except where retention is required by law or where we have a legitimate interest in retaining it (such as preventing fraud).

06 Data Security

We implement commercially reasonable technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit using TLS (Transport Layer Security)
• Encryption of data at rest for sensitive records
• Access controls that limit who within WealthNest Finance can access personal information
• Regular review of our data collection, storage, and processing practices
• Contractual data processing agreements with all service providers who handle personal data on our behalf

Despite these measures, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security. In the event of a data breach that affects your personal information, we will notify you as required by applicable law.

07 Your Rights and Choices

Depending on your location, you may have the following rights with respect to your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate or incomplete personal information.
• Deletion: You may request that we delete your personal information, subject to certain exceptions.
• Portability: You may request that we provide your personal information in a structured, machine-readable format.
• Objection: You may object to our processing of your personal information where we rely on legitimate interests as the legal basis.
• Withdrawal of consent: Where processing is based on your consent, you may withdraw that consent at any time without affecting the lawfulness of processing carried out before withdrawal.
• Opt out of marketing: You may opt out of receiving promotional emails from us by clicking the unsubscribe link in any email, or by contacting us directly at hello@wealthnest.finance. We will process opt-out requests within 10 business days.

To exercise any of these rights, please contact us at hello@wealthnest.finance. We will respond to all verifiable requests within 30 days. We may need to verify your identity before processing your request.

08 Employer and Employee Data

This section applies specifically to employers who enroll in the WealthNest Finance savings program and the employees of those employers who participate in the program.

Employer data: When an employer enrolls in the WealthNest Finance savings program, we collect business information necessary to operate the program, including company name, Employer Identification Number (EIN), information about Ultimate Beneficial Owners (UBOs) for Know Your Business (KYB) compliance purposes, and read-only access to payroll or HRIS system data to verify employee enrollment. This information is processed in accordance with applicable financial compliance regulations and is not used for any purpose other than operating the savings program.

Employee data: When employees enroll in the WealthNest Finance savings program, we collect personal information necessary to establish and operate their Emergency Savings Account, including name, contact information, date of birth, and identity verification information for Know Your Customer (KYC) and Anti-Money Laundering (AML) screening. Financial account information provided by employees for savings deposit purposes is encrypted and processed through PCI-compliant systems. WealthNest provides Employers only with the data necessary to fulfill savings matches and incentives (e.g., ‘Milestone Reached’). We do not share an employee's external banking account balance or detailed transaction history with their Employer.

KYC and KYB data: Identity verification data collected for compliance purposes is processed through our third-party compliance partner and is retained only for the period required by applicable financial regulations, typically a minimum of 5 years from the end of the customer relationship.

Employer's role as data controller: For employee data that employers provide to us in connection with the WealthNest Finance savings program (such as employee rosters), the employer acts as the data controller and WealthNest Finance acts as a data processor. Our data processing agreement with employers governs the handling of this data.

09 Third-Party Links and Services

Our sites may contain links to third-party websites, products, and services. We are not responsible for the privacy practices or content of those third parties. We encourage you to review the privacy policies of any third-party sites or services that you visit through links on our sites.

Our sites use third-party services including analytics platforms and email delivery services. Each of these services has its own privacy policy, and we encourage you to review them. We select service providers who meet appropriate privacy and security standards and who agree to process data only on our behalf.

10 Children's Privacy

Our sites and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information as quickly as possible. If you believe we may have collected information from or about a child under 18, please contact us at hello@wealthnest.finance.

11 California Privacy Rights

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with specific rights regarding your personal information.

Categories of personal information we collect: In the preceding 12 months, we have collected the following categories of personal information: identifiers (name, email address, IP address); professional or employment-related information (job title, company name, company size); commercial information (products or services inquired about); internet or other electronic network activity (browsing history on our sites); and inferences drawn from this information.

Your CCPA rights include:

• Right to Know: The right to request disclosure of the categories and specific pieces of personal information we have collected about you, the categories of sources, our business purpose for collecting or sharing it, and the categories of third parties with whom we share it.
• Right to Delete: The right to request deletion of personal information we have collected from you, subject to certain exceptions.
• Right to Correct: The right to request correction of inaccurate personal information we maintain about you.
• Right to Opt Out of Sale or Sharing: The right to opt out of the sale or sharing of your personal information. We do not sell or share personal information for cross-context behavioral advertising purposes.
• Right to Non-Discrimination: The right not to receive discriminatory treatment for exercising your CCPA rights.

To submit a CCPA rights request, please email hello@wealthnest.finance with the subject line “California Privacy Request.” We will respond within 45 days of receiving your verifiable request. You may designate an authorized agent to make a request on your behalf; the agent must provide proof of authorization.

12 Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the “Last updated” date at the top of this page.

For material changes — changes that significantly affect your rights or how we use your information — we will provide additional notice, such as an email notification to registered users or a prominent banner on our sites, at least 14 days before the changes take effect.

Your continued use of our sites or services after the effective date of any changes constitutes your acceptance of the updated policy. We encourage you to review this page periodically to stay informed about how we are protecting your information.

13 Contact Us

If you have questions, concerns, or requests relating to this Privacy Policy or our handling of your personal information, please contact us using the information below. We will do our best to respond promptly and resolve any concern.