Privacy Policy

Wisdom to Wealth provides digital financial management, budgeting, planning, reporting and educational tools for individuals, families and businesses. The application combines practical financial tools with biblical financial wisdom to help users manage money, build wealth and practise faithful stewardship.

Depending on the features you use, Wisdom to Wealth may collect and process the following categories of information:

Account Information

• Name
• Email address
• Account/profile information
• Authentication information

Financial Information Entered Into the Application

• Income
• Expenses
• Bills
• Budgets
• Savings goals
• Debt information
• Assets
• Liabilities
• Net worth information
• Investment records entered by users
• Business financial records
• Family financial records

Subscription Information

• Subscription plan
• Subscription status
• Billing cycle
• Trial status
• Stripe customer/subscription identifiers

Payment card processing is handled by the third-party payment provider used by Wisdom to Wealth, currently Stripe. Wisdom to Wealth does not store full card numbers. Card data is processed by the payment provider in accordance with their own security and compliance standards.

Technical Information

• Device/browser information
• IP address
• Usage information
• Security logs
• Application interactions
• Cookies or similar technologies where applicable

Information collected by Wisdom to Wealth may be used to:

• Provide the application
• Maintain user accounts
• Generate dashboards
• Generate financial reports
• Generate PDF planners
• Provide AI Financial Coach functionality
• Provide Family features
• Provide Business features
• Process subscriptions
• Maintain application security
• Provide customer support
• Improve application functionality
• Communicate important service information
• Meet applicable legal obligations

Wisdom to Wealth includes AI-powered features such as the AI Financial Coach. When you intentionally use these features, relevant information you submit to them may be processed to generate the requested response. This may include financial information you have entered into the application and questions or prompts you provide.

AI-generated content is general and educational in nature. It is not personalised professional financial advice. You remain responsible for any decisions you make based on AI-generated output.

Subscription payments are processed through Stripe, or the currently configured payment provider. Payment processing is also subject to the payment provider's own privacy terms and conditions, which govern how card and transaction data are handled.

Wisdom to Wealth does not store full payment card numbers. Stripe customer and subscription identifiers are retained to manage your subscription and billing.

Reasonable technical and organisational safeguards are used to protect customer information. These include access controls, secure data transmission and authenticated access to account data.

No internet-based service can guarantee absolute security. You acknowledge that the transmission of information via the internet is not completely secure, and you provide your information at your own risk.

Information is retained for as long as reasonably necessary to:

• Provide the service
• Maintain accounts
• Meet legal and accounting obligations
• Resolve disputes
• Enforce agreements

When information is no longer needed for these purposes, it may be deleted or anonymised in accordance with applicable data protection requirements.

You may contact Wisdom to Wealth regarding:

• Access to your personal information
• Correction of your personal information
• Account or data deletion requests
• Privacy questions or complaints

Where applicable, your rights remain subject to legal and record-retention requirements. We will respond to your request within a reasonable timeframe.

Service providers engaged by Wisdom to Wealth may process information outside your country of residence where applicable. By using the application, you acknowledge that your information may be transferred to and processed in jurisdictions that may have different data protection laws.

Wisdom to Wealth is not intended for children to independently create paid financial-management accounts, unless permitted under the applicable terms and law. If you believe a child has provided personal information to us, please contact us so we can take appropriate steps to delete that information.

This Privacy Policy may be updated from time to time. Material changes may be communicated through the application or by other appropriate means. We encourage you to review this page periodically for updates.

If you have any questions about this Privacy Policy or how your information is handled, please contact us:

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