Privacy Policy

1. Introduction

This Privacy Policy explains how Wealth Path ("we," "our," "us," or "I") collects, uses, and protects your personal and financial information when you use the application ("App"). Wealth Path is operated by an individual developer, Horatiu Condrea, who is committed to protecting your privacy and maintaining the security of your financial data.

By using Wealth Path, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use the App.

2. AI-Powered Chat Assistant

The App includes an optional AI-powered financial assistant that uses Google's Gemini AI service to provide personalized insights and answer questions about your financial situation.

Information Sent to Gemini AI

When you use the chat assistant, the following information is sent to and processed by Google's Gemini AI service:

• Asset values, categories, and details (investments, real estate, bank accounts, vehicles, collectibles)
• Debt information (amounts, interest rates, payment schedules)
• Net worth calculations and financial projections
• Asset allocation and portfolio performance data
• Your age and preferred currency
• Your chat messages, questions, and financial goals

3. Information We Collect

We collect several types of information to provide and improve our App:

3.1 Personal Information

• Name and email address
• Date of birth (used to confirm you meet the minimum age requirement)
• Country of residence and preferred currency
• Account credentials and authentication tokens

3.2 Financial Information

• Asset values and categories (investments, real estate, bank accounts, vehicles, collectibles)
• Debt information (amounts, interest rates, payment schedules)
• Net worth calculations, financial goals, and projections
• Subscription and purchase history (for Pro subscribers)

Important: We do not require or store full bank account numbers, credit card numbers, or other sensitive banking credentials. Wealth Path does not connect to your bank accounts and does not initiate any transactions.

3.3 Technical Information

• Device information and operating system
• Device or other identifiers (including push notification tokens)
• Advertising identifier (IDFA on iOS, only with your permission; Google Advertising ID on Android) and app install and activity events, used solely for measuring our advertising (see Section 7)
• App usage analytics and interaction data
• Crash reports, diagnostics, and performance data

4. How We Use Your Information

We use the collected information to:

• Provide core App functionality and financial calculations
• Sync your data across devices (for Pro subscribers)
• Authenticate your identity and secure your account
• Generate financial reports and projections
• Provide the optional AI chat assistant when you choose to use it
• Improve App performance and user experience
• Provide customer support and send important updates

We do not sell your information or use it to provide financial advice. We share limited device identifiers with Meta solely to measure whether our advertisements led to an install (see Sections 6 and 7). We never share your financial data, balances, or account details with advertisers.

5. Data Storage and Security

Wealth Path is an offline-first application. How your data is stored depends on your plan:

• All users: Your financial data is stored locally on your device using encrypted on-device storage.
• Pro subscribers: Your data is additionally synced to and stored in secure cloud servers provided by Google Firebase (Cloud Firestore) so it can be backed up and synced across your devices.

We implement industry-standard security measures, including encryption of data in transit (SSL/TLS), authentication controls, and optional biometric (Face ID / fingerprint) protection.

6. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information. We may share your information only in the following limited circumstances:

• AI Chat Assistant: When you choose to use the optional AI chat, your financial and related data is sent to Google's Gemini AI service (see Section 2)
• Service Providers: With trusted providers who help operate the App (such as Google Firebase, Sentry, and RevenueCat), under their respective privacy terms
• Advertising Measurement: Device identifiers and app events such as install, registration, and subscription status are shared with Meta Platforms to measure the effectiveness of our advertising. No financial data, balances, or account details are shared for this purpose
• Legal Requirements: When required by law, court order, or government regulation
• Protection of Rights: To protect our rights, property, or safety, or that of our users or the public
• Business Transfers: In connection with a merger, acquisition, or sale of assets (with notice to users)
• With Your Consent: When you explicitly authorize us to share your information

7. Third-Party Services

The App integrates with the following third-party services, each governed by its own privacy policy:

• Google Gemini AI: Powers the optional AI chat assistant; receives your financial data and chat messages (see Section 2)
• Google Firebase: Authentication, cloud data storage (Pro subscribers), and push notifications
• Sentry: Crash reporting and performance monitoring (error logs, device info, and app performance data; no financial data)
• RevenueCat: Subscription and purchase management (processes subscription status and purchase history; may forward anonymized subscription events to Meta for advertising measurement)
• Meta (Facebook) SDK: Advertising measurement and attribution. Receives the advertising identifier, device information, and app events such as install and registration, governed by Meta's Privacy Policy. On iOS this only occurs if you allow tracking in the system prompt; on Android you can reset or delete your Advertising ID in your device settings
• Currency exchange providers: Real-time exchange-rate data (no personal information shared)

8. Your Privacy Rights

You have certain rights regarding your personal information:

• Access: You can request access to the personal information we hold about you
• Correction: You can request correction of inaccurate or incomplete information
• Deletion: You can request deletion of your account and data. For detailed instructions, please visit our account deletion guide.
• Data Portability: You can export your financial data in a structured format
• Opt-Out: You can opt out of non-essential communications at any time
• Withdraw Consent: You can stop using the AI chat feature, which ends data sharing with Gemini. On iOS you can revoke tracking permission at any time under Settings → Privacy & Security → Tracking; on Android you can delete your Advertising ID under Settings → Google → Ads

To exercise these rights, please contact us at privacy@wealthpath.pro. We will respond to your request within 30 days.

9. Data Retention

We retain your information for as long as necessary to provide the App and fulfill the purposes outlined in this Privacy Policy:

• Account data: Retained until you delete your account
• Financial data: Retained as long as needed for App functionality, or until you delete it
• Analytics data: Typically retained for up to 24 months
• Legal obligations: Some data may be retained longer to comply with applicable laws

When you delete your account, your personal and financial data will be permanently removed within 30 days.

10. Children's Privacy

Wealth Path is a general-audience personal finance tool. Its content is suitable for all ages, and the App is not directed to or designed for children.

To protect children's privacy and to comply with applicable laws (such as COPPA and GDPR-K), account holders must be at least 13 years old. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13 without verifiable parental consent, we will delete that information promptly. If you believe a child under 13 may have provided us with personal information, please contact us at privacy@wealthpath.pro.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, including by our third-party service providers. These countries may have different data protection laws than your jurisdiction.

When we transfer your data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable data protection laws.

12. Changes to Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Updating the "Last Updated" date at the top of this page
• Sending you an email notification (if you have provided your email address)
• Displaying a prominent notice within the App

Your continued use of the App after any changes constitutes acceptance of the updated Privacy Policy. We encourage you to review this Privacy Policy periodically.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

We are committed to working with you to obtain a fair resolution of any privacy concerns.