Consent

By using WealthVision, you hereby consent to our Privacy Policy and agree to its terms. If you do not agree with any part of this policy, please do not use our application.

The Information We Look After

1. Your Account Details

When you sign in using your Google account, we keep a few basic details to make your experience smooth and secure:

• Your Email: This is your unique key. It's how we make sure your financial plan stays private and only accessible by you.
• Your Name & Photo: We show these in the app to make it feel more personal to you.
• Login Activity: we keep track of when you last signed in to help keep your account secure and ensure your data is up-to-date.

These details are stored in our secure system and are used only to manage your account and keep your data safe.

2. Your Financial Plan & Numbers

The most important part of WealthVision is the information you enter to track your wealth. We save this so you can access it anytime, anywhere. This includes:

• Your Wealth: Bank balances, investments, property values, and other assets.
• Your Debts: Loans, mortgages, and credit card balances.
• Your Cash Flow: Monthly income and what you spend your money on.
• Your Goals: Your financial profiles, trip budgets, and future plans.
• Your Preferences: Things like your preferred currency and theme settings.

Your Privacy is Guaranteed: We use strong security locks to protect your information. Your account is yours alone, and we do not have permission to look at or share your personal financial numbers with anyone.

3. How We Keep Things in Sync

We've designed the app to handle all the complex saving and syncing in the background so you can focus on your wealth:

• Always-On Protection: The app detects when you've changed something and securely updates our vault within seconds. It's silent, fast, and ensures you never lose a single entry.
• Smart Loading: When you open the app, we quickly check if there's a newer version of your data waiting for you in the vault. If there is, we bring it down so you're always looking at the most current numbers.
• Focus on What Matters: We only save your actual financial data and settings. We don't waste time or energy saving temporary things like which page you were looking at last.

4. Optional Personal Backup (Google Drive)

For those who want total ownership of their data, we offer a way to link your own Google Drive:

• You can tell the app to save a personal backup file directly into your own Google account.
• We only ever see the "wealthVision" folder we create for you; we can't see anything else in your Drive.
• You can also add an extra password to these backups for even more security.
• You are always in control and can turn this feature off whenever you like.

5. Improving Your Experience

To make WealthVision faster, easier, and more useful, we look at general trends in how the app is used:

• Which tools are used most often (like the net worth tracker or trip manager).
• Common patterns in how people navigate the app to help us simplify the menus.
• Anonymous reports if the app crashes or has an error, so we can fix it quickly.
• General info like which browser or type of device you use to ensure the app looks great for everyone.

How We Use Your Information

We use the information we collect in various ways, including to:

• Provide, operate, and maintain WealthVision
• Authenticate your identity and manage your account
• Automatically synchronize your financial data across devices and browsers
• Enable seamless data access when you log in from different devices
• Enable optional Google Drive backup functionality
• Improve, personalize, and expand our application
• Understand and analyze how you use WealthVision
• Develop new features and functionality
• Find and prevent fraud or abuse
• Send you important service updates (if you have provided contact information)

How Your Information is Kept Safe

Stored on Your Device (Instant Access)

We keep a "working copy" of your plan on your phone or computer so it's always ready when you are:

• This allows you to see your numbers instantly without waiting for a connection.
• It means you can still use the app and make updates even when you're offline.
• When you clear your browser history or data, this local copy is removed, but don't worry—your plan is still safe in our secure vault and will reappear when you log back in.

Saved in Our Secure Vault (Always Safe)

To ensure you never lose your progress and can access your plan anywhere, we save a secure copy in our private digital vault:

• Your Important Numbers: We save all the assets, debts, and goals you enter.
• Your Identity: We keep your email and name so we can ensure only you can open your vault.
• Automatic Updates: We keep track of your latest changes to make sure all your devices show exactly the same plan.
• Connection Keys: If you use Google Drive, we securely store the specific "key" needed to save files to your personal backup folder.

Secure Locks & Keys

We protect your data with multiple layers of security, much like a physical vault:

• Vault Security: All information is kept in a highly secure digital storage system with restricted access.
• Private Backup Keys: If you use your own Google Drive for backups, we ensure your data is locked with your chosen password before it ever leaves the app.
• Password Protection: For Google Drive backups, your chosen password is never saved on our system, giving you total control over who can unlock those files.
• Secure Transit: Every time information travels between your device and our vault, it's sent through a private, secure connection that cannot be intercepted.

Cookies and Web Beacons

Like any other website, WealthVision uses 'cookies'. These cookies are used to store information including visitors' preferences and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

We use cookies for:

• Session management and authentication
• Remembering your preferences (theme, currency, etc.)
• Storing local financial data (if not using Google Drive)
• Analytics and performance monitoring

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers' respective websites.

Third-Party Services

Google Services

WealthVision uses Google services for:

• Google Sign-In: For user authentication. We only access your basic profile information (name, email, profile picture).
• Google Drive: For optional backup functionality. We only access files in the "wealthVision" folder that we create.
• Google Analytics: For anonymous usage statistics (if enabled).

Please review Google's Privacy Policy to understand how they handle your data.

Other Third-Party Services

We may use other third-party services for:

• Hosting and infrastructure
• Error tracking and monitoring
• Performance analytics

These services have their own privacy policies. We recommend reviewing their policies to understand how they handle your data.

Data Sharing and Disclosure

We do NOT sell, share, or transfer your personal or financial data to any third-party organizations.

We may disclose your information only in the following circumstances:

• To comply with legal obligations or court orders
• To protect our rights, privacy, safety, or property
• To prevent fraud or abuse
• With your explicit consent

Your Data Rights

Access and Control

You have the right to:

• Access your personal and financial data stored on our servers
• Request correction of inaccurate information
• Request deletion of your account and all associated data (both server and local)
• Export your data at any time in JSON or Excel format
• Disable Google Drive backup and revoke access
• Clear all local data from your browser (server copy remains until account deletion)
• Request a copy of all data we have stored about you

GDPR Data Protection Rights

If you are a resident of the European Economic Area (EEA), you have certain data protection rights:

• The right to access – You have the right to request copies of your personal data.
• The right to rectification – You have the right to request that we correct any information you believe is inaccurate.
• The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
• The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
• The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
• The right to data portability – You have the right to request that we transfer the data we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

CCPA Privacy Rights (California)

Under the California Consumer Privacy Act (CCPA), California consumers have the right to:

• Request that a business disclose the categories and specific pieces of personal data collected
• Request that a business delete any personal data about the consumer
• Request that a business not sell the consumer's personal data (we do not sell data)

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Children's Privacy

WealthVision is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately so we can delete such information.

Data Retention

We retain your personal information only for as long as necessary to provide our services and fulfill the purposes described in this policy. Specifically:

• Server Data: Your financial data is retained on our servers while your account is active. This enables automatic sync across devices.
• Authentication Data: Account information (email, name, profile picture) is retained while your account is active
• Local Browser Data: Financial data is stored in your browser until you clear it or until it's automatically synced from server
• Google Drive Backups: (If enabled) Stored in your Google Drive until you delete them

Data Deletion: You can request deletion of your account and all associated data (both server and local) at any time by contacting us. Upon account deletion, all your financial data will be permanently removed from our servers.

Security Measures

We implement various security measures to protect your information:

• Encrypted connections for all data transmission
• Secure authentication using industry-standard methods
• Encrypted database connections
• Optional client-side encryption for financial data
• Regular security audits and updates
• Access controls and authentication requirements

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee absolute security.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by:

• Posting the new Privacy Policy on this page
• Updating the "Effective date" at the top of this Privacy Policy
• Sending you an email notification (if we have your email address)
• Displaying a prominent notice on our application

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Links to Other Sites

WealthVision may contain links to other sites that are not operated by us, including:

• finlive.in - Our parent organization
• Google services (Sign-In, Drive, Analytics)
• Third-party calculators and tools

If you click on a third-party link, you will be redirected to that site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Contact Us

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

• Email: [email protected]
• Organization: finlive.in
• Website: https://wealthvision.finlive.in