Information We Collect

1. Personal Information

We collect personal information you voluntarily provide when creating an account, updating your profile, or interacting with our support team. This data is essential for identity verification, regulatory compliance, and personalized service delivery.

Full legal name, date of birth, and contact information (email, phone, mailing address)
Government-issued identification numbers (e.g., SSN, Passport, Driver's License) for KYC/AML compliance
Employment details, income information, and financial goals
Biometric data (if you enable fingerprint/Face ID for app authentication)

Legal Basis: Contractual necessity, legal compliance (KYC/AML regulations), and legitimate interests in providing secure financial services.

2. Financial & Account Data

To manage your accounts, execute transactions, and provide wealth management advice, we collect and process financial information directly related to your WealthGuard services.

Bank account and routing numbers for direct deposits or fund transfers
Credit/debit card information (processed securely via PCI-DSS compliant payment gateways)
Transaction history, investment preferences, and risk tolerance assessments
Account balances, portfolio allocations, and performance metrics
Tax identification numbers and filing status for IRS/regulatory reporting

Security Note: Sensitive financial data is encrypted in transit and at rest using AES-256 encryption. We never store full credit card numbers on our primary servers.

3. Technical & Usage Data

We automatically collect technical information when you access our website, mobile app, or API endpoints. This helps us maintain system integrity, prevent fraud, and optimize user experience.

Device identifiers, IP address, and browser/operating system details
Log files, session duration, page views, and clickstream data
Cookie identifiers and analytics tokens (Google Analytics, Mixpanel)
Location data (approximate, based on IP) for regulatory compliance and fraud detection
Push notification preferences and app crash reports

4. Communication & Support Data

When you contact us via email, live chat, phone, or in-app messaging, we retain records of those interactions to provide continuity of service and resolve issues efficiently.

Email correspondence and chat transcripts
Voice recordings of customer support calls (with prior consent where legally required)
Feedback, survey responses, and feature requests
Marketing preferences and communication opt-in/opt-out history

5. Information from Third Parties

We may receive data from trusted partners to enhance our services, verify information, or comply with legal obligations. We only work with vendors that meet strict data protection standards.

Credit bureaus (for identity verification and risk assessment)
Banking partners and payment processors (transaction confirmations, account linking)
Regulatory agencies and law enforcement (when legally required)
Publicly available sources (professional licenses, property records where applicable)

Your Data Rights & Controls

Depending on your jurisdiction, you may have specific rights regarding your personal data. We respect and facilitate these rights in compliance with GDPR, CCPA, and other applicable privacy laws.

Access & Portability

Request a copy of your data in a machine-readable format.

Correction

Update or rectify inaccurate personal information at any time.

Deletion

Request erasure of your data, subject to legal retention requirements.

Opt-Out

Withdraw consent for marketing communications or data processing.

Restriction

Limit how we process your data during pending disputes or reviews.

Lodge a Complaint

Contact your local data protection authority if needed.

To exercise any of these rights, please contact our Privacy Office through the link below. We respond to verified requests within 30 days.