Terms and Conditions

Networthy (“we,” “us,” “our”) values your trust and is committed to protecting your personal data. This Privacy Policy outlines how we collect, use, disclose, and protect the information you provide when using our platform, services, website, and mobile application (collectively, the “Services”). Please read this Privacy Policy carefully to understand your rights and how your personal data is handled.

1. Information We Collect

We collect various types of personal and financial information to deliver our services effectively. This includes:

• A. Information You Provide to Us Directly
  • Account Information: Name, email address, phone number, password, and other account setup details.
  • Profile Information: Financial goals, user preferences, location (if enabled).
  • Linked Accounts: Login credentials or access tokens for bank accounts, crypto wallets, property data, or third-party integrations (with your explicit consent).
  • Support Requests: Any data shared via email, chat, or support forms.
• B. Automatically Collected Information
  • Device Information: IP address, browser type, operating system, mobile device ID, screen resolution.
  • Usage Data: Pages visited, clicks, features used, and time spent on the platform.
  • Log Data: Server logs, device diagnostics, and crash reports.
• C. Information from Third Parties
  • Institutional Data: We may collect your asset and liability information from financial institutions, valuation partners, and official data providers when authorized by you.
  • Credit Data: With your permission, we may retrieve credit history or scores from credit bureaus.

2. How We Use Your Information

Your information is used to provide, improve, and personalize your experience with Networthy. This includes:

• Creating and managing your account
• Aggregating your financial data to present a comprehensive net worth overview
• Sending real-time notifications about asset value changes or relevant market updates
• Offering insights, predictions, and risk modeling
• Delivering customer support and responding to your inquiries
• Enhancing security and preventing fraud
• Conducting analytics and user behavior analysis for product improvement
• Complying with legal obligations and regulatory requirements

We do not sell or rent your personal data to third parties.

3. Sharing of Information

We share your data only under specific and secure circumstances:

• With Your Consent: When you link third-party accounts or request report sharing.
• With Service Providers: We may share data with trusted vendors who help us operate our platform (e.g., cloud storage providers, analytics services). These providers are contractually obligated to protect your data.
• With Financial Institutions: If part of your usage involves integrations or data verification.
• For Legal Reasons: If required by law, regulation, legal process, or governmental request.
• In Business Transfers: If Networthy is involved in a merger, acquisition, or sale of assets, user data may be transferred under strict confidentiality.

4. How We Store and Protect Your Data

We implement a multi-layered security protocol to safeguard your data:

• Data Encryption: All data in transit is protected using TLS (Transport Layer Security). Sensitive data at rest is encrypted using advanced encryption standards (e.g., AES-256).
• Access Controls: Only authorized personnel with a need-to-know basis can access sensitive information.
• Regular Security Audits: Our infrastructure is monitored and audited routinely to detect and prevent vulnerabilities.
• Secure Cloud Infrastructure: We use industry-leading cloud providers with strong physical and digital security.

5. Cookies and Tracking Technologies

Networthy uses cookies and similar technologies to improve your experience. These may be used for:

• Remembering your login sessions
• Analyzing site traffic and usage
• Enhancing personalization
• Enabling certain features like auto-fill

You may modify your browser settings to disable cookies, but doing so may limit functionality.

6. Your Rights and Choices

As a user, you have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Correction: Update or correct inaccurate information.
• Deletion: Request deletion of your data, subject to applicable law and retention requirements.
• Portability: Request a portable version of your data in a readable format.
• Objection: Opt-out of marketing or profiling decisions based on your data.
• Withdraw Consent: You may revoke access to linked accounts or integrations at any time.

To exercise any of these rights, contact us immediately.

7. Data Retention

We retain your data only as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. When no longer needed, your information is securely deleted or anonymized.

8. Children’s Privacy

Networthy is not intended for use by children under the age of 18. We do not knowingly collect personal data from minors. If we discover such data has been collected inadvertently, we will delete it promptly.

9. International Data Transfers

If you are accessing Networthy from outside  United Kingdom , please note that your data may be transferred to, stored, and processed in jurisdictions with different data protection laws. We ensure such transfers comply with legal standards (e.g., standard contractual clauses, adequate safeguards).

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. If material changes are made, we will notify you via email or through our platform. We encourage you to review this policy regularly to stay informed.

11. Contact Us

If you have questions, concerns, or wish to exercise your rights, please contact:

Networthy Privacy Team

• Email: info@networthy.ai 

We are committed to resolving any issues quickly, transparently, and fairly.