Privacy Policy

Welcome to WealthTrackAI, a service provided by MTTenterprise Inc. ("we," "us," or "our"). Your privacy is of utmost importance to us, and we are committed to safeguarding your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your data when you use our services.

By using WealthTrackAI, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this policy have the same meanings as in our Terms and Services.

Table of Contents

1. Information We Collect
2. How We Use Your Information
3. Data Sharing and Disclosure
4. Data Security
5. Your Rights
6. Cookies and Tracking Technologies
7. Third-Party Services
8. International Data Transfers
9. Automated Decision Making and Profiling
10. Data Retention
11. Children's Privacy
12. Data Protection Officer (DPO)
13. Changes to This Privacy Policy
14. Contact Us

1. Information We Collect

We collect various types of information to provide and enhance our services:

Personal Information: Includes your name, email address, phone number, and other contact details.
Financial Information: Includes bank account details, transaction history, budgeting data, and other financial metrics.
Usage Data: Information on how you interact with our application, including features used and frequency of access.
Device Information: IP address, browser type, operating system, and device identifiers.
Cookies and Tracking Technologies: To enhance your user experience and analyze usage patterns.
Third-Party Information: Information from third-party sources, such as social media platforms, if you choose to link your account.

2. How We Use Your Information

We utilize the collected information for the following purposes:

Providing Services: To operate and maintain our application, ensuring you have access to all features.
Personalization: To tailor our services and recommendations based on your financial data and usage patterns.
Communication: To send you updates, newsletters, and respond to your inquiries.
Improvement: To analyze usage data and feedback for enhancing our services and developing new features.
Security: To protect against fraud, unauthorized access, and other security threats.
Legal Compliance: To comply with legal obligations and enforce our terms and policies.

3. Data Sharing and Disclosure

We may share your information in the following circumstances:

Service Providers: We engage third-party vendors such as Plaid and Stripe to perform services on our behalf, including payment processing, data analysis, and customer support.
Legal Requirements: When required by law, regulation, or legal process to disclose your information.
Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
Affiliates and Subsidiaries: We may share information with our affiliates, subsidiaries, or related entities to provide and improve our services.
Advertising Partners: We may work with advertising partners who may use your information to deliver personalized advertisements to you.
Consent: With your explicit consent, we may share your information for specific purposes.

We do not sell, trade, or otherwise transfer your personal information to outside parties without your consent, except as described above.

4. Data Security

We implement a variety of security measures to maintain the safety of your personal information. Your data is stored in secure networks and is only accessible by a limited number of persons with special access rights.

Encryption: We use industry-standard encryption protocols (e.g., SSL/TLS) to protect data transmitted between your device and our servers.

Access Controls: Access to personal information is restricted to authorized personnel who need it to perform their job functions.

Regular Audits: We conduct regular security audits and assessments to identify and address potential vulnerabilities.

While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any concerns about the security of your data, please contact us.

5. Your Rights

Depending on your location, you may have the following rights regarding your personal data:

Access: You have the right to request access to your personal data.
Correction: You can request correction of any inaccurate or incomplete data.
Deletion: You may request the deletion of your personal data under certain conditions.
Objection: You can object to the processing of your data for specific purposes.
Data Portability: You have the right to request the transfer of your data to another service provider.
Right to Withdraw Consent: You can withdraw your consent for data processing at any time, without affecting the lawfulness of processing based on consent before its withdrawal.
Right to Lodge a Complaint: If you believe that our processing of your personal information violates applicable data protection laws, you have the right to lodge a complaint with a supervisory authority.

To exercise any of these rights, please contact us using the information provided in the Contact Us section below. We may require you to verify your identity before processing your request.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website, analyze usage patterns, and improve our services. Cookies are small data files stored on your device that help us recognize you when you return to our site.

Types of Cookies We Use:

Essential Cookies: These are necessary for the basic functioning of the website and cannot be turned off in our systems.
Performance Cookies: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site.
Functional Cookies: These cookies enable the website to provide enhanced functionality and personalization.
Advertising Cookies: These cookies are used to deliver advertisements more relevant to you and your interests.

Managing Cookies: You can control and manage cookies through your browser settings. Most browsers allow you to refuse or delete cookies, but this may impact the functionality of our website and limit your ability to use certain features.

For more information about how we use cookies and similar technologies, please refer to our Privacy Policy.

7. Third-Party Services

7.1 Integration with Third-Party Services

Our application integrates with third-party services such as Plaid for secure bank account connections and Stripe for payment processing. These services have their own privacy policies governing the use of your information. We encourage you to review their policies to understand how they handle your data.

7.2 Third-Party Links

Additionally, our application may contain links to other third-party websites and services that are not operated by us. We are not responsible for the privacy practices or the content of these third-party sites. We encourage you to read the privacy policies of any third-party services you interact with.

7.3 Advertising Partners

We may work with advertising partners who may use your information to deliver personalized advertisements to you. These partners have their own privacy policies, and we do not control or have access to their data practices.

8. International Data Transfers

Your information, including personal data, may be transferred to and maintained on servers located outside your country of residence. These countries may have different data protection laws than your country.

Data Transfer Mechanism: We ensure that any international data transfers comply with applicable data protection laws. This may include using standard contractual clauses approved by relevant authorities or other lawful transfer mechanisms.

Compliance with GDPR and CCPA: For users in the European Union, we comply with the General Data Protection Regulation (GDPR) requirements regarding international data transfers. Similarly, for users in California, we adhere to the California Consumer Privacy Act (CCPA).

If you are located in a country with specific data transfer restrictions, please contact us to understand how your data will be handled.

9. Automated Decision Making and Profiling

WealthTrackAI may use automated decision-making processes, including profiling, to analyze your financial data and provide personalized insights and recommendations.

Purpose of Automated Decision Making: To enhance user experience by providing data-driven financial advice, budgeting tips, and predictive analytics tailored to your financial behavior.

Impact on Users: While these processes are designed to assist you in managing your finances effectively, you have the right to opt-out of certain automated features if you prefer.

Human Intervention: In cases where automated decisions significantly impact you, we ensure that there is an option for human review and intervention upon request.

10. Data Retention

We retain your personal information only for as long as necessary to provide you with our services, comply with our legal obligations, resolve disputes, and enforce our agreements.

Retention Periods: The duration for which we retain your data depends on the type of information and the purpose for which it was collected. For example, financial records may be retained for longer periods to comply with regulatory requirements.

Deletion and Anonymization: When your personal information is no longer needed, we securely delete or anonymize it to prevent unauthorized access or disclosure.

You have the right to request the deletion of your personal data, subject to certain exceptions as required by law.

11. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us immediately so we can take appropriate actions.

Parental Consent: If we become aware that we have inadvertently collected personal information from a child under 18, we will take steps to delete such information from our records.

12. Data Protection Officer (DPO)

We have appointed a Data Protection Officer (DPO) to oversee our data protection strategy and ensure compliance with data protection laws.

Contact Information:

Name: Jane Doe
Email: [email protected]
Phone: +1 (613) 123-4568

If you have any questions or concerns about our privacy practices, please contact our DPO.

13. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

Notification of Changes: If we make material changes to this policy, we will notify you by email or through a notice on our website prior to the change becoming effective.

Effective Date: Changes to this Privacy Policy are effective when they are posted on this page.

14. Contact Us

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

Email: [email protected]
Address: MTTenterprise Inc., 907 Roger Griffiths Ave, Stittsville, ON K2S 2T5, Canada
Phone: +1 (613) 123-4567

You also have the right to contact our Data Protection Officer (DPO) for any privacy-related inquiries.