WORTHIO ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial planning platform.
By using WORTHIO, you agree to the collection and use of information in accordance with this policy.
2. Information We Collect
2.1 Personal Information
We collect the following personal information:
Name and email address
Phone number (optional, for SMS notifications)
Date of birth and location (for age-based financial planning)
We may disclose your information if required by law or to:
Comply with legal processes or government requests
Enforce our Terms of Service
Protect our rights, property, or safety
Investigate fraud or security issues
4.3 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred. We will provide notice before your data is transferred and becomes subject to a different privacy policy.
5. Data Security
We implement industry-standard security measures:
Encryption: AES-256 encryption for sensitive data at rest
TLS/SSL: All data transmitted over HTTPS
Access Controls: Role-based permissions and authentication
Regular Audits: Security assessments and penetration testing
Secure Storage: Financial data stored in encrypted databases
Two-Factor Authentication: Optional 2FA for enhanced security
6. Your Rights and Choices
6.1 Access and Correction
You have the right to:
Access your personal information
Correct inaccurate data
Update your profile at any time
Download your financial data
6.2 Data Deletion
You can request deletion of your account and data by contacting us at privacy@worthio.app. We will delete your information within 30 days, except where we're legally required to retain it.
6.3 Marketing Communications
You can opt-out of marketing emails by:
Clicking "unsubscribe" in any marketing email
Updating notification preferences in your settings
Contacting us directly
7. Data Retention
We retain your information:
Active accounts: For as long as your account is active
Closed accounts: 90 days after account closure (unless legally required)
Financial data: 7 years for tax and legal compliance
Transaction logs: 1 year for security and fraud prevention
8. Children's Privacy
WORTHIO is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.
9. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights:
Right to know what personal information is collected
Right to know if personal information is sold or shared
Right to say no to the sale of personal information
Right to access your personal information
Right to equal service and price
Note: We do not sell your personal information.
10. European Privacy Rights (GDPR)
If you are in the European Economic Area, you have:
Right to access your personal data
Right to rectification of inaccurate data
Right to erasure ("right to be forgotten")
Right to restrict processing
Right to data portability
Right to object to processing
Right to withdraw consent
11. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page, updating the "Last updated" date, and sending an email notification for material changes.
12. Contact Us
If you have questions about this Privacy Policy or our data practices, contact us:
Email: privacy@worthio.app
Response Time: We will respond within 30 days.
Important Disclaimer
WORTHIO is a financial planning tool and does not provide investment, tax, or legal advice. All calculations and projections are estimates based on the information you provide. Consult with qualified professionals before making financial decisions.