Privacy Policy

1. Who we are

Welfi is operated by [Company / legal entity, jurisdiction once formed]. For privacy questions or requests, contact us at info@welfi-app.com.

2. Data we collect

• Account data: your name and email, obtained when you sign up directly or via Google or Apple sign-in (note: Apple may provide a private relay email address).
• Financial data you enter: accounts, balances, transactions, budgets, categories, savings goals, assets, gold holdings, forecasts, and currency/exchange-rate settings.
• AI conversations: the questions you ask the in-app assistant and the data sent to power its answers.
• Technical data: device and usage information, and crash/diagnostic logs.

3. How we use your data

We use your data to provide budgeting, forecasting, and reporting features; to power the educational AI assistant; to maintain and secure your account; and to improve the app. We do not sell your personal data.

4. Third parties and subprocessors

We share data with the following service providers only as needed to operate Welfi:

• Anthropic (Claude) and any other AI provider you configure — processes the financial data you submit to the AI assistant. Data is sent only after you give consent in-app.
• Google — authentication (Sign in with Google).
• Apple — authentication (Sign in with Apple).
• Neon — database hosting (where your data is stored).
• Vercel — application hosting.
• Frankfurter / European Central Bank — currency exchange-rate data (no personal data is sent).
• [Error/product analytics provider, e.g. Sentry / PostHog — once added.]

5. International transfers

Your data may be stored and processed in countries other than your own. Where required, we rely on appropriate safeguards for such transfers.

6. Your rights

Depending on where you live, you may have rights to access, correct, delete, export, or object to the processing of your data (GDPR), to know/delete/opt out (CCPA/CPRA), and equivalent rights under the UAE PDPL. You can permanently delete your account and all associated data at any time from Settings → Danger zone → Delete accountinside the app. To exercise other rights, contact info@welfi-app.com.

7. Data retention

We keep your data for as long as your account is active. When you delete your account, your personal and financial data is erased from our systems, except where we are legally required to retain limited records.

8. Security

We protect your data with encryption in transit and access controls. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. Children

Welfi is not directed to children under [16], and we do not knowingly collect their personal data.

10. Changes and contact

We may update this policy from time to time; we will revise the “last updated” date above and, where appropriate, notify you in-app. For any questions, contact info@welfi-app.com.