Privacy Policy

1. Introduction

SubbiWise LLC ("SubbiWise," "we," "our," or "us") provides self-guided financial planning tools through our website and mobile applications (collectively, the "Service"). We respect your privacy and are committed to handling your personal information responsibly.

This Privacy Policy describes how we collect, use, disclose, and safeguard information when you interact with the Service. By using SubbiWise, you agree to the practices described here. If you do not agree, please do not use the Service.

2. Information We Collect

Information you provide

• Account details such as your name, email address, and password when you create an account.
• Profile and planning inputs you enter into the tools — for example, goals, income ranges, budgets, and target timelines.
• Support communications, including messages you send us and any attachments.

Information collected automatically

• Device and usage data, such as browser type, operating system, referring pages, and interactions within the app.
• Cookies and similar technologies used to remember preferences and measure engagement. You can manage cookies through your browser settings.

Information from third parties

If you sign in using a third-party provider or connect a supported service, we may receive basic profile information that provider makes available to us, subject to your authorization.

3. How We Use Information

We use the information we collect to:

• Operate, maintain, and improve the Service.
• Personalize your planning experience and generate educational guidance within the app.
• Communicate with you about product updates, security notices, and support requests.
• Detect, investigate, and prevent fraud, abuse, or activity that violates our terms.
• Comply with legal obligations and enforce our agreements.

SubbiWise is an educational tool. We do not use your information to provide personalized investment, tax, or legal advice.

4. Sharing & Disclosure

We do not sell your personal information. We share it only in the limited circumstances below:

• Service providers that help us run the Service (for example, hosting, analytics, and customer support), bound by contract to protect your data.
• Legal and safety disclosures when required by law or to protect the rights, property, or safety of SubbiWise, our users, or the public.
• Business transfers, such as a merger, acquisition, or sale of assets, with notice to you where required.
• With your consent, when you direct us to share specific information.

5. Data Security

We use administrative, technical, and physical safeguards designed to protect your information, including encryption in transit and access controls for our systems. No method of transmission or storage is perfectly secure, and we cannot guarantee absolute security. Please use a strong, unique password and notify us promptly if you suspect unauthorized access to your account.

6. Data Retention

We keep your information only as long as needed to deliver the Service, comply with legal obligations, resolve disputes, and enforce our agreements. When information is no longer required, we delete or anonymize it. You may request deletion of your account at any time as described below.

7. Your Rights & Choices

Depending on where you live, you may have rights regarding your personal information, including:

• Accessing the information we hold about you.
• Correcting inaccurate or incomplete information.
• Deleting your account and associated data.
• Objecting to or restricting certain processing.
• Opting out of marketing communications — every marketing email includes an unsubscribe link.

To exercise any of these rights, contact us using the details in the Contact section below. We will respond within the timeframes required by applicable law.

8. Children's Privacy

SubbiWise is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us so we can remove it.

9. International Users

SubbiWise is operated from the United States. If you access the Service from outside the U.S., you understand that your information may be transferred to, stored, and processed in the U.S., where data protection laws may differ from those in your jurisdiction.

10. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date above and, when changes are material, provide a more prominent notice. Your continued use of the Service after an update means you accept the revised policy.

11. Contact Us

Questions, requests, or concerns about this Privacy Policy or our data practices? We would like to hear from you.