Privacy Policy

Last Updated: December 2, 2025

Introduction

Welcome to MyFinance. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our portfolio tracking and investment management service.

IMPORTANT: This is a template privacy policy. Please have it reviewed by a qualified attorney before using it in production.

1. Information We Collect

Personal Information

Account Information: Name, email address, password (encrypted)
Profile Data: User preferences, settings, and customizations
Authentication Data: OAuth tokens from Google and other social providers (if used)

Financial Data

Portfolio Information: Asset names, types, quantities, purchase prices
Investment Data: Current prices, profit/loss calculations, currency information
Location Data: Storage locations for your assets (e.g., brokerage names, wallet names)
Transaction History: Historical snapshots of your portfolio performance

Automatically Collected Information

Usage Data: Pages visited, features used, time spent on the platform
Device Information: Browser type, operating system, device identifiers
Log Data: IP address, access times, referring URLs
Cookies: Session cookies, preference cookies, analytics cookies

2. How We Use Your Information

We use the collected information to:

Provide Services: Calculate portfolio values, track performance, generate reports
Currency Conversion: Fetch and apply exchange rates for multi-currency portfolios
Analytics: Create charts, visualizations, and historical performance tracking
Account Management: Authenticate users, manage subscriptions
Communication: Send service updates, notifications, and support responses
Improvement: Analyze usage patterns to enhance features and user experience
Security: Detect fraud, prevent abuse, and protect user accounts

3. Data Storage and Security

Security Measures

Encryption: All data transmitted using SSL/TLS encryption
Password Security: Passwords hashed using industry-standard algorithms
Database Security: Hosted on secure servers with access controls
Regular Backups: Automated backups to prevent data loss

Data Location

Your data is stored on secure servers. We comply with applicable data protection regulations including GDPR for European users and Estonian data protection laws.

4. Third-Party Services

We use the following third-party services:

Payment Processing

Stripe: Credit card processing for Pro subscriptions
Stripe's Privacy Policy: https://stripe.com/privacy

Authentication

Better Auth: User authentication and session management
Google OAuth: Optional social login (only if you choose to use it)

APIs and Data

Exchange Rate API: Currency conversion rates (exchangerate-api.com)
No personal information is shared with this service

Analytics

We may use analytics services to understand usage patterns
You can opt out of analytics tracking in your account settings

5. Data Sharing and Disclosure

We DO NOT sell your personal information. We may share data in limited circumstances:

Service Providers: Third parties who help us operate the service (e.g., hosting, payments)
Legal Requirements: When required by law, court order, or government request
Business Transfers: In case of merger, acquisition, or sale of assets
With Your Consent: When you explicitly authorize us to share information

6. Your Financial Data

Important Clarifications:

We store your manually entered portfolio data
We DO NOT connect directly to your brokerage accounts
We DO NOT have access to your actual financial accounts
We DO NOT execute trades or transactions on your behalf
All data you enter is for tracking purposes only

7. Your Rights and Choices

Data Access and Control

Access: View all personal data we have about you
Correction: Update or correct inaccurate information
Deletion: Request deletion of your account and data
Export: Download your portfolio data in portable format
Opt-Out: Unsubscribe from marketing emails

How to Exercise Your Rights

Data Retention

Active accounts: Data retained while account is active
Deleted accounts: Data permanently deleted within 30 days
Legal requirements: Some data retained as required by law (e.g., payment records)

8. Cookies and Tracking

We use cookies for:

Essential: Authentication, security, basic functionality
Preferences: Remember your settings and choices
Analytics: Understand how you use the platform

You can control cookies through your browser settings. Note that disabling cookies may limit functionality.

9. International Users

GDPR Compliance (EU Users)

If you are located in the European Economic Area (EEA):

Legal Basis: Processing based on consent, contract performance, legitimate interests
Data Controller: WealthHive OU, Estonia
Supervisory Authority: You have the right to lodge a complaint with your local data protection authority or the Estonian Data Protection Inspectorate

California Privacy Rights (CCPA)

California residents have additional rights under CCPA. Contact us for:

Information about data collected and shared
Deletion of personal information
Opt-out of data sales (we don't sell data)

10. Children's Privacy

MyFinance is not intended for users under 18 years of age. We do not knowingly collect data from children. If you believe we have collected data from a child, contact us immediately.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last Updated" date. Significant changes will be communicated via email.

12. Contact Us

For privacy-related questions or concerns:

Company: WealthHive OU
Address: Kentmanni tn 4, 10116 Tallinn, Estonia
Registry Code: EE102742499
Email: support@wealthhive.app
Privacy Inquiries: privacy@wealthhive.app

13. Disclaimer

NOT FINANCIAL ADVICE: MyFinance is a portfolio tracking tool only. We do not provide financial, investment, tax, or legal advice. Consult qualified professionals for such advice.

Acknowledgment: By using MyFinance, you acknowledge that you have read and understood this Privacy Policy.