Privacy Policy

Version 1.0 · Effective August 16, 2026

1. Who we are

Hyperwealth LLC ("Hyperwealth", "we", "us") operates the website at hyperwealth.com and the Hyperwealth application at app.hyperwealth.com (together, the "Services"). This policy describes what information we collect, how we use and protect it, and the choices you have.

The Services are currently in an early-access (beta) period. The product — and with it, the specific data we process — is evolving. When what we collect or how we use it changes in a meaningful way, we will update this policy (see Section 9).

2. Information we collect

Information you give us.

• Your email address and name when you join the waitlist or create an account.
• Financial information you enter manually, such as assets, balances, or notes you add yourself.
• Anything you send us in messages or support requests.

Financial data from your linked accounts.

• When you connect a financial institution, we receive data about those accounts through Plaid, our data connectivity provider: account and institution details, balances, transactions, investment holdings and activity, and liabilities.
• You link accounts through Plaid's own interface. We never receive or store your bank username or password. Plaid's handling of your data is described in the Plaid End User Privacy Policy.

Information collected automatically.

• Basic device and browser information, log data, and how you use the Services.
• Approximate location inferred from your IP address (for example, to apply the right regional settings and to protect your account).

We do not use third-party advertising trackers on the Services.

3. How we use your information

• To run the product: displaying your accounts, computing your net worth, categorizing transactions, tracking cash flow and budgets, and powering the other features you use.
• AI-assisted features: we use AI services to help categorize transactions and generate financial insights. This means portions of your financial data (such as transaction descriptions) are processed by our AI service providers on our behalf, under agreements that restrict their use of it to providing the service to us.
• To keep the Services secure: authentication, fraud and abuse prevention, monitoring, and debugging.
• To communicate with you: service messages about your account, and product updates. You can opt out of non-essential emails at any time.
• To improve and develop the Services: understanding how features are used, testing and refining new features during the beta, and building new ones. Where practical we use aggregated or de-identified data for this, which no longer identifies you.
• To comply with law and enforce our terms.

4. How we share information

We do not sell your personal or financial data, and we do not share it with third parties for their advertising. We share information only with:

• Service providers that operate parts of the Services for us — for example Google Cloud (hosting and storage), Plaid (financial data connectivity), and our AI processing providers. They may use your information only to provide services to us.
• Legal and safety: when required by law, legal process, or to protect the rights, safety, or property of you, us, or others.
• Business transfers: if Hyperwealth is involved in a merger, acquisition, financing, or sale of assets, your information may be transferred as part of that transaction. We will notify you if that materially changes how your data is handled.
• With your direction or consent — for example, a feature you explicitly ask us to connect.

5. How we protect your information

• All data moves over encrypted connections (TLS) and is encrypted at rest.
• Credentials that grant access to your financial institutions are additionally encrypted at the application layer with a dedicated key-management service.
• Access to production systems is restricted, authenticated with multi-factor authentication, and logged.

No system can be guaranteed 100% secure, but protecting your financial data is a design requirement of everything we build.

6. Data retention and deletion

• We keep your information for as long as your account is active and as needed to provide the Services.
• You can request deletion of your account and data at any time by emailing support@hyperwealth.com. After we verify the request, we will delete your personal data within 30 days, except where the law requires us to keep it longer.
• Copies in backups and security logs are purged on their own rotation schedule shortly after.
• We review this retention practice at least annually.

7. Your choices and rights

• You can access and correct your information in the app, or ask us for a copy of it.
• You can disconnect a linked financial institution at any time, which stops new data from flowing from it.
• You can request deletion, as described above.
• Depending on where you live, state privacy laws may give you additional rights. To exercise any of them, email support@hyperwealth.com — we honor these requests regardless of which state you're in, and we will never treat you differently for exercising them.

8. Children

The Services are not directed to anyone under 18, and we do not knowingly collect information from anyone under 18.

9. Changes to this policy

We may update this policy as the Services evolve — especially during the beta period. When we do, we will post the new version here and update the effective date above. If a change meaningfully affects how we handle your personal data, we will also notify account holders by email before it takes effect.

10. Contact us

Questions, requests, or concerns: support@hyperwealth.com.