Privacy Policy

Last updated: January 2025

1. Introduction

Planning Wiser respects your privacy. This policy explains what data we collect, how we use it, and the choices you have regarding your information.

By using our service, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

We collect the following types of information:

  • Account information: Email address, name, and password (securely hashed)
  • Financial data: Transactions, account balances, and goals you enter or import
  • Usage data: How you interact with the app, device information, and browser type
  • Cookies: Session management and user preferences

3. How We Use Your Information

Your information is used to:

  • Provide and improve the Planning Wiser service
  • Process your imported transaction files (CSV/OFX)
  • Send important account notifications

We never sell your data to third parties. We never use your data for advertising.

4. Data Import

You can import transaction history using CSV or OFX files exported from your bank:

  • Imported files are processed then deleted — only the extracted transactions are stored in your account
  • We do not access your bank accounts directly — ever
  • No third-party services receive your banking credentials

5. Data Storage & Security

We take security seriously:

  • Data is encrypted in transit and at rest
  • Hosted on secure cloud infrastructure
  • Regular security audits are conducted
  • You can request data deletion at any time

6. Your Rights

You have the right to:

  • Access your data
  • Correct inaccurate data
  • Delete your account and all associated data
  • Export your data
  • Opt out of non-essential communications

7. Data Retention

  • Active accounts: Data is retained while your account exists
  • Deleted accounts: Data is permanently removed within 30 days
  • Some data may be retained for legal or compliance reasons

8. Changes to This Policy

We may update this privacy policy from time to time. Material changes will be communicated via email. Your continued use of the service after changes constitutes acceptance of the updated policy.

9. Contact

Questions about this privacy policy? Contact us at privacy@planningwiser.com