Privacy Policy

At Wealth Gateway, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our API services, dashboard, and website (collectively, the "Services"). Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the Services.

1. Information We Collect

1.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Connect bank accounts through Plaid
• Sign up for our mailing list
• Contact our support team
• Complete forms on our website

This information may include: name, email address, phone number, company name, billing information, and any other information you choose to provide.

1.2 Financial Data

Through our integration with Plaid, we facilitate access to your financial account information.Important: We do not store your bank login credentials. We receive and temporarily cache financial data such as account balances, transactions, and account metadata to provide our Services. All financial data is encrypted using AES-256-GCM encryption.

1.3 Usage Data

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity but may include:

• Device and connection information (IP address, browser type, operating system)
• Usage patterns and API call metadata
• Log and diagnostic data
• Referring URLs and page views

2. How We Use Your Information

We use personal information collected via our Services for a variety of business purposes:

• Provide and maintain our Services: Including account creation, API access, and dashboard functionality
• Process transactions: Billing, subscription management, and payment processing
• Send administrative information: Account notifications, security alerts, and support communications
• Improve our Services: Analyze usage patterns to enhance performance and user experience
• Security and fraud prevention: Detect and prevent unauthorized access and abuse
• Legal compliance: Comply with applicable laws, regulations, and legal processes

3. How We Share Your Information

3.1 Third-Party Service Providers

We may share your data with third-party vendors who perform services for us:

• Plaid Inc.: For bank account connectivity and financial data aggregation
• Stripe, Inc.: For payment processing
• Cloud hosting providers: For infrastructure and data storage

3.2 Legal Requirements

We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process.

4. Data Security

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process:

• AES-256-GCM encryption for all sensitive data at rest
• TLS 1.3 for all data in transit
• SHA-256 hashing for API keys
• Multi-tenant data isolation
• Regular security audits and penetration testing

5. Data Retention

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy:

• Account information: Retained until account deletion
• Financial data cache: 15 minutes to 24 hours depending on data type
• API logs: 30 days for debugging and security purposes
• Billing records: 7 years for tax and accounting purposes

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Right to access: Request copies of your personal information
• Right to rectification: Request correction of inaccurate information
• Right to erasure: Request deletion of your personal information
• Right to data portability: Request transfer of your information

To exercise these rights, please contact us at privacy@wealthgateway.dev.

7. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• By email: privacy@wealthgateway.dev