Effortless Wealth (“we”, “us”, or “our”) provides a personal finance and budgeting application. This Privacy Policy explains what information we collect, how we use it, and the choices you have. By creating an account or using the app, you agree to this Policy.
1. Who this applies to
This Policy applies to the Effortless Wealth web and mobile experiences, including related marketing pages such as our home and legal pages.
2. Information we collect
- Account information. Name, email address, authentication details, and profile preferences you provide.
- Financial data you enter. Income, expenses, categories, budgets, recurring rules, notes, and similar ledger content.
- Connected bank data. If you link a financial institution through our bank-connection provider (for example Plaid), we receive account metadata and transaction details needed to sync and categorize activity. We do not store your bank login password.
- Usage and device data. App interactions, approximate device/browser information, diagnostics, and performance logs.
- Support communications. Messages you send to us and related contact details.
- Subscription status. Entitlement and renewal status from Stripe (web), Google Play, or the Apple App Store when you subscribe. Payment card details for store purchases are handled by those platforms, not stored by us as raw card numbers.
3. How we use information
- Provide budgeting, projections, categorization, and related product features.
- Sync bank transactions you choose to connect and help you review or categorize them (including optional AI assistance).
- Authenticate you, secure accounts, and prevent abuse.
- Maintain subscriptions and access rights.
- Improve reliability, diagnose issues, and develop new features.
- Respond to support requests and meet legal obligations.
4. Subscriptions and billing platforms
Paid plans may include: Premium Monthly, Premium Yearly
Web billing is processed by Stripe. Google Play and Apple handle mobile store billing. We receive entitlement events so your account access stays in sync.
Plan changes (current product configuration): Plan changes apply immediately. Stripe creates prorations so you are credited for unused time on the old plan and charged the difference for the new plan (Stripe portal: create_prorations).
5. AI assistance
Optional AI features may process prompts and financial context you provide in order to suggest categories, templates, or guidance. Do not submit sensitive information you do not want processed for those features. You remain responsible for reviewing financial decisions.
6. How we share information
We do not sell your personal information. We may share information with service providers (hosting, authentication, bank connectivity, email, AI), app platforms (Apple, Google, Stripe), and legal or safety recipients when required by law.
7. Data retention and security
We retain account and financial data while your account remains active and for a reasonable period afterward for backups, dispute resolution, security, and legal compliance. We use administrative, technical, and organizational safeguards; no method of transmission or storage is fully secure.
8. Your choices and rights
Depending on your location, you may have rights to access, correct, export, or delete personal information. You can update many profile settings in the app. For additional requests, contact us below.
9. Changes to this Policy
When we publish a new version of this Policy, we update the version number on this page and may notify account holders according to our notification settings. Continued use after the effective date constitutes acceptance where permitted by law.
10. Contact
Questions: privacy@striveenterprises.com or in-app support.