Privacy Policy

We collect several types of information from users, which fall under the following categories: (i) Personally Identifiable Information (PII): This includes your name, email address, phone number, date of birth, and other identifying information that can be linked to you individually. (ii) Personal Information (PI): Financial data such as bank account numbers, credit/debit card details, financial transactions, balances, and income. (iii) Sensitive Personal Information (SPI): This includes your social security number, credit scores, and other sensitive financial data that require higher levels of protection due to potential harm from unauthorized disclosure. (iv) Non-Public Information (NPI): Information we gather from third parties, such as credit bureaus, banks, or financial institutions, which is not publicly available. This may include credit reports, banking activity, and other financial details.In addition to the above, we may collect technical information such as your IP address, browser type, and operating system when you interact with our app.

(i) Directly from You: When you register for our services, provide financial data, or communicate with us. (i) Automatically: When you use our app, we collect data using cookies, web beacons, and other tracking technologies to understand your preferences and improve our services. (i) From Third Parties: We collect data from your financial institutions, credit bureaus, and other financial service providers with your consent to provide services such as budgeting, credit improvement, and debt management

We use your information for the following purposes: (i) Providing Services: Your data is essential for us to offer personalized financial services such as budget management, debt reduction plans, savings strategies, and credit score improvement. (ii) User Account Management: We use your PII to create and manage your account, verify your identity, and provide customer support. (iii) Data Analytics: We analyze aggregated and anonymized data to improve our services, optimize user experience, and develop new features. (iv) Marketing and Offers: With your consent, we may use your data to send promotional offers, recommendations, or financial products from our partners that align with your goals. (v) Compliance and Legal Obligations: We may process your information to comply with legal requirements, resolve disputes, and enforce our agreements.

We may share your information in the following ways: (i)With Service Providers: We work with trusted third-party service providers to operate our app and offer our services. These may include cloud storage providers, payment processors, and fraud prevention services. Each of these third parties is bound by confidentiality agreements and data protection obligations. (ii)With Financial Institutions: To help you manage your finances, we may share your financial data with your banks, credit card companies, or credit bureaus, as authorized by you. (iii)With Business Partners: We may share data with partners offering complementary financial services, such as loan providers or savings platforms, to present you with relevant offers. We only share the necessary data to facilitate these offers. (iv)For Legal Purposes: If required by law, or if we believe it’s necessary to protect our legal rights, we may disclose your information to governmental authorities, regulators, or in response to subpoenas or court orders. (v)During Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We implement a variety of security measures to protect your information, including: (i)Encryption: All sensitive data, such as SPI and NPI, is encrypted both in transit and at rest using industry-standard protocols (e.g., TLS/SSL). (ii)Access Controls: We use multi-factor authentication and role-based access to ensure that only authorized personnel can access your data. (iii)Data Anonymization: Where appropriate, we anonymize or pseudonymize data to reduce the risk of identification in case of unauthorized access. (iv)Regular Audits: We regularly audit our systems for security vulnerabilities and engage third-party security experts to ensure compliance with best practices. Despite these measures, no system is 100% secure, and we cannot guarantee the absolute security of your data. You are responsible for safeguarding your account credentials.

As a user, you have specific rights regarding your personal data: (i) Access: You have the right to request copies of your personal data that we hold. (ii) Correction: If you find any inaccuracies in the data we hold about you, you can request corrections. (iii) Deletion: You have the right to request the deletion of your personal data, although some data may need to be retained for legal or operational reasons. (iv) Data Portability: You can request that we transfer your data to another service provider in a structured, commonly used format. (v) Consent Withdrawal: You can withdraw your consent to data processing at any time, especially for marketing purposes. This may affect your ability to use some of our services. To exercise these rights, contact us at [Your Contact Information]. We may ask you to verify your identity before fulfilling your request.

We retain your data only as long as it is necessary for the purposes outlined in this policy, or as required by law. Specifically: (i) Financial Data: Retained for the duration of your use of our services and for a reasonable period afterward to comply with legal obligations. (ii) Personal Data: If you close your account, we will retain only the necessary data for legal, regulatory, or fraud prevention purposes. (iii) Deletion: Upon your request and when legally permitted, we will securely delete or anonymize your data.

We use cookies and similar technologies to improve user experience and track app performance: (i) Functional Cookies: These are necessary for the app to function and cannot be disabled. (ii) Analytics Cookies: These help us understand how users interact with our app so we can improve its functionality. (iii) Marketing Cookies: Used to track users across websites to deliver relevant ads. You may disable these through your browser settings, although this could limit your use of certain app features.

Our app may contain links to third-party websites or services that are not operated by us. If you click on a third-party link, you will be directed to that third party site. We are not responsible for the privacy practices of these sites and encourage you to review their privacy policies before submitting your data.

Our services are not intended for use by individuals under the age of 13, and we do not knowingly collect personal information from children. If we become aware that we have inadvertently collected such information, we will take immediate steps to delete it.

We comply with all relevant US data protection regulations, including the California Consumer Privacy Act (CCPA). If you are a California resident, you have specific rights under the CCPA, such as: (a) The right to request the categories and specific pieces of personal data we have collected about you. (b) The right to request the deletion of your personal data. (c) The right to opt-out of the sale of personal information (though we do not sell personal information). You can exercise these rights by contacting us at support@wefiapp.com

We may update this Privacy Policy from time to time to reflect changes in our data practices or relevant laws. If we make significant changes, we will notify you through our app or via email. The updated policy will take effect on the date listed at the top of the document.

If you have any questions or concerns about our Privacy Policy or wish to exercise your rights, please contact us at: Email: support@wefiapp.com Phone: (551) 286 0748 Mailing Address: 481 Hackensack Ave, 2nd Floor #1013, Hackensack, NJ 07601