Privacy Policy
Last updated: January 19, 2026
Overview
WealthVault is built for people who cannot afford financial surprises. We take your privacy seriously and are committed to protecting your personal and financial data.
Data We Collect
When you use WealthVault, we collect:
- Account information: Email address and authentication data through Clerk.
- Financial data: Bank account balances, transactions, and account metadata through Plaid. We access this data in read-only mode and cannot move or spend your money.
- App usage: How you interact with features like vaults, alerts, and Shelter AI to improve the product.
How We Use Your Data
Your data is used to:
- Generate cash flow predictions and alerts
- Detect zombie subscriptions and unusual transactions
- Provide personalized Shelter AI recommendations
- Improve WealthVault's features and accuracy
Data Security
We protect your data through:
- Bank-level encryption: All data is encrypted in transit (TLS) and at rest (AES-256).
- Plaid integration: We never see or store your bank credentials. Plaid handles authentication directly with your bank.
- Access controls: Your data is isolated and only accessible to you.
Data Sharing
We never sell your data. We share data only with:
- Plaid: To connect to your bank accounts (read-only).
- Stripe: To process subscription payments.
- Clerk: For authentication services.
We may share anonymized, aggregated data for research purposes, but this data can never be traced back to you.
Data Retention
We retain your data for as long as your account is active. If you delete your account, we will delete your personal data within 30 days, except where required by law.
Your Rights
You have the right to:
- Access your data
- Export your data
- Delete your account and data
- Disconnect bank accounts at any time
Contact
Questions about privacy? Email us at privacy@wealthvault.app.