WalletIQ Privacy Policy

WalletIQ (“we”, “us”, or “our”) is operated by Christian Lowe (independent developer).

This Privacy Policy explains how we collect, use, and protect your information when you use the WalletIQ website and application.

1. Overview

WalletIQ provides users with insights into how economic conditions may impact their personal spending.

2. Information We Collect

2.1 Account Information

When you create an account, we collect:

• Email address
• Password (securely stored via authentication provider)

We do not collect:

• Name
• Username
• Social profile data

2.2 Financial Information (User Input)

To generate your WalletIQ analysis, you may provide:

• Country of residence
• Income
• Total savings
• Total expenditure across categories:
  • Rent
  • Groceries
  • Utilities
  • Fuel
  • Debt
  • Education
  • Healthcare

This information is self-reported and used solely to generate your results.

2.3 Technical Data

We may temporarily collect:

• IP address (for rate limiting and abuse prevention)

IP addresses are:

• Stored temporarily
• Automatically deleted within approximately 2 hours

We do not collect:

• Device identifiers
• Operating system data
• Analytics tracking data
• Crash logs

2.4 Cookies

We use essential cookies only, including:

• Authentication session cookies

We do not use:

• Advertising cookies
• Tracking cookies
• Third-party analytics cookies

3. How We Use Your Information

We use your data only to:

• Generate your personalised pressure score
• Apply economic signals to your spending profile
• Provide and maintain the service

We do not use your data for:

• Advertising
• Profiling outside the app's core function
• Selling or sharing with marketers

4. AI Usage

WalletIQ uses AI systems to generate economic analysis reports (“packs”).

Important:

• AI is used to analyse public economic data only
• AI does not receive personal user data
• Your financial inputs remain separate from AI processing

AI outputs are combined with your data locally within the application logic.

5. Data Storage & Security

Your data is stored using secure infrastructure providers including:

• Supabase (database and authentication)
• Render (application hosting)

Security measures include:

• Encryption in transit (HTTPS)
• Encryption at rest (managed database encryption)
• Access controls to restrict data to your account

6. Data Sharing

We do not sell or share your personal data.

We may rely on trusted third-party services strictly for operation of the app, including:

• Hosting providers
• Infrastructure services
• Payment processors (if enabled)

If subscriptions are introduced, payments may be processed by third parties such as:

• Stripe
• RevenueCat
• Apple
• Google

These providers handle payment data independently.

7. Data Retention

We retain data as follows:

• Account and financial data: until account deletion
• Pressure score results: until account deletion
• IP address logs: approximately 2 hours
• Economic analysis data: approximately 24 hours (cached and refreshed)

8. Your Rights

You have the right to:

• Request deletion of your account and data
• Request access to your data
• Correct your information

To make a request, contact: support@walletiq.app

9. Account Deletion

You may request deletion of your account and all associated data by emailing support@walletiq.app.

We will process deletion requests within a reasonable timeframe.

10. Children's Privacy

WalletIQ is not intended for users under 16 years of age.

We do not knowingly collect data from children.

11. International Users

WalletIQ may be accessed globally.

By using the service, you understand that your data may be processed in infrastructure located in different regions.

12. Changes to This Policy

We may update this Privacy Policy from time to time.

Updates will be posted on this page with a revised “Last updated” date.

13. Legal Basis

This Privacy Policy is governed by the laws of the developer's country of residence.

14. Contact

For any privacy-related questions or requests, contact support@walletiq.app.