Privacy Policy

Last updated: February 2026

Your financial data is deeply personal. We built Charge Wealth with privacy and security as foundational principles. Here is exactly how we handle your information.

1. Information We Collect

Account information: name, email address, and password
Financial profile data: income, goals, risk tolerance, age, filing status
Chat data: conversations with Warren, including questions and responses
Account data via Plaid: account balances, holdings, and transaction history (only with your explicit consent)
Usage data: how you interact with the Service, features used, and session information

2. How We Use Your Information

Provide personalized financial analysis and recommendations through Warren
Power Warren's memory system for continuity across conversations
Track your portfolio, net worth, and financial goals
Identify tax optimization opportunities and fee reduction strategies
Improve the Service and develop new features

We do not sell your personal or financial data to third parties. Your data is used solely to power your experience.

3. Data Security

256-bit AES encryption for data at rest
TLS 1.3 encryption for data in transit
Secure authentication with hashed passwords
Regular security audits and vulnerability testing
Bank-level encryption for Plaid account connections

4. AI & Warren's Memory

Warren may extract and store key facts from your conversations (e.g., financial goals, risk preferences)
Memories are used to provide continuity and personalization across sessions
You can view all stored memories in the Warren chat interface
You can delete individual memories or clear all memories at any time
Conversation data is used to generate responses but is not shared with other users

5. Third-Party Services

Plaid: account aggregation and financial data (subject to Plaid's privacy policy)
Anthropic: AI processing for Warren's responses (data is not used to train models)
Stripe: payment processing (we do not store your full payment details)
Hosting and infrastructure providers with SOC 2 compliance

6. Your Rights

Access: request a copy of all personal data we hold about you
Correction: update or correct inaccurate personal information
Deletion: request complete deletion of your account and all associated data
Export: download your data in a portable format
Opt-out: unsubscribe from marketing communications at any time

7. Contact & Data Requests

Privacy-related questions can be directed through your account settings
Data deletion requests are processed within 30 days
We will notify you of any data breaches affecting your information within 72 hours

Also see our Terms of Service. For privacy questions, contact us through your account settings.