Privacy policy

1. Information We Collect

We collect information that you voluntarily provide to us when you register on our Products, express an interest in obtaining information about us or our products and services, or otherwise when you contact us.

Personal Identification Information

We may collect personal identification information from Users in a variety of ways, such as when you create an account, enter expense details, set financial goals, or add EMIs. This may include:

• Name and Email address
• Phone number
• Financial Data (Expenses, Income, EMI details, Goals, connected bank accounts)

Non-Personal Identification Information

We may collect non-personal identification information about Users whenever they interact with our Products. This may include the browser name, device type, operating system, IP address, and other technical information.

2. How We Use Your Information

WiseMoney may collect and use Users' personal information for the following purposes:

• To provide and maintain our service: Including monitoring the usage of our Products and delivering core functionality.
• To personalize user experience: With AI-driven financial suggestions and understanding how our Users as a group use our services.
• To improve customer service: Helping us respond to your support needs more efficiently.
• To send communications: Including technical notices, updates, security alerts, and notifications via WhatsApp (if opted-in).

3. Cookies and Tracking Technologies

Our Products may use "cookies" and similar tracking technologies to access or store information and enhance User experience. Users may choose to set their web browser to refuse cookies, or to alert them when cookies are being sent. Note that some parts of the Products may not function properly without cookies.

4. AI Data Processing

Your financial data is processed by our secure AI engine to generate personalized money-saving suggestions. We ensure that this data is anonymized before processing where possible and never sold to third-party advertisers.

5. WhatsApp Integration

If you choose to receive notifications via WhatsApp, your phone number and limited notification content (e.g., "EMI due in 2 days") will be securely transmitted via the WhatsApp Business API. Please refer to WhatsApp's Privacy Policy regarding their data handling.

6. Sharing Your Information

We do not sell, trade, or rent Users' personal identification information to others. We may share information with Service Providers (who help us operate our business like payment processing or email delivery), for Business Transfers (like a merger or acquisition), or for Legal Requirements (to comply with applicable laws).

7. Data Security

We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information. Sensitive and private data exchange happens over a SSL-secured communication channel and is encrypted.

8. Data Retention

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law. When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information.

9. Your Data Protection Rights

Depending on your location, you may have certain rights regarding your personal information, including the right to access, rectify, or erase your personal data, and the right to restrict or object to its processing. To exercise these rights, please contact us.

10. Third-Party Websites

Users may find content on our Products that link to the sites and services of our partners or other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Products.

11. Children's Privacy

Our Products are not directed to children under the age of 13 (or 16 in certain jurisdictions), and we do not knowingly collect personal identification information from children. If we discover that a child has provided us with personal information, we will delete it immediately.

12. How to Delete Data & Account

You can delete your account and all related data stored on our servers at any time. From inside the WiseMoney app or website, navigate to the Account settings and select "Delete account". If you do not log in at least once within 24 months, your account may be automatically deleted.

13. Changes to this Privacy Policy

WiseMoney has the discretion to update this privacy policy at any time. When we do, we will revise the "Last Updated" date at the top of this page. Your continued use of the Products following the posting of changes will be deemed your acceptance of those changes.

14. Contact Us

If you have any questions about this Privacy Policy, please contact our Data Protection Officer at: support@wisemoney.com