Last updated: November 2025
This Privacy Policy describes how Phileworks (“we,” “our,” “us”) collects, uses, and protects your information when you use the Wealthly mobile application (“Wealthly,” “the App”).
By using Wealthly, you agree to the collection and use of information in accordance with this Policy.
Owner: Phileworks
Registered Address: Chișinău, Moldova
Contact Email: wealthly@phileworks.com
Phileworks is the data controller responsible for your personal information under this Privacy Policy.
Wealthly collects limited data necessary for its operation and to provide personalized educational finance experiences.
Email address: collected for sign-in or contact purposes.
Habits and financial entries: user-entered data for personal tracking within the app.
Time capsules and book progress: stored securely in Firestore to maintain user history and progress.
Anonymous Firebase user ID for authentication and synchronization.
Device information (e.g., OS version, app version, crash logs) to ensure performance and stability.
Usage analytics (via Firebase Analytics) to understand general usage patterns and improve user experience.
Net worth entries may be sent anonymously to OpenAI for generating wealth assessments. This data is not stored or associated with any identifiable user information.
User nickname may be sent anonymously to xAI for motivational quote generation. No personal identifiers are transmitted or stored.
We do not store AI input data, and it is processed only for generating the requested outputs.
We use collected information to:
Provide and improve Wealthly’s features and educational content.
Generate personalized insights and quotes using AI.
Track user progress, habits, and time capsules.
Manage subscriptions and notifications.
Maintain security, troubleshoot issues, and improve performance.
Wealthly uses Google Firebase / Firestore to store limited user data.
All data is transmitted and stored securely through Google’s cloud infrastructure, which employs encryption in transit and at rest.
Authentication is handled via Firebase Authentication using anonymous or Google/Apple sign-in.
We also use:
RevenueCat for secure subscription management.
OneSignal for sending optional notifications.
We take appropriate measures to protect your data from unauthorized access, alteration, disclosure, or destruction.
Wealthly does not sell, rent, or monetize user data.
Data is only shared in the following limited cases:
AI Services: anonymized data is sent to OpenAI and xAI for generating content (e.g., wealth assessments, motivational quotes).
Service Providers: Firebase, RevenueCat, and OneSignal process data solely to provide core app functionality (authentication, subscriptions, and notifications).
All third-party services operate under their own privacy and security standards.
We retain your data as long as you maintain an active account.
If you delete your account, associated data (habits, progress, time capsules, etc.) will be deleted from our servers within a reasonable period unless required by law to retain it longer.
If you are located in the European Union or other regions with similar laws, you have the right to:
Access the personal data we hold about you.
Request deletion of your data.
Request correction of inaccurate or outdated information.
Withdraw consent where applicable.
To exercise any of these rights, contact us at
📧 wealthly@phileworks.com
Wealthly is intended for users aged 16 and older.
We do not knowingly collect personal data from children under 16. If we become aware of such collection, we will delete the data immediately.
AI-generated features in Wealthly are designed for educational purposes only.
Please do not input any sensitive personal, financial, or identifiable information into AI-powered fields.
AI outputs are automatically generated and not reviewed by humans.
We may update this Privacy Policy periodically.
When updates occur, the “Last updated” date will change. Continued use of Wealthly after such updates constitutes acceptance of the revised Policy.
We encourage users to review this page regularly.
If you have questions, requests, or concerns regarding this Privacy Policy, please contact us at:
📧 wealthly@phileworks.com