Last updated: August 22, 2026

Wealth Meadow includes Budget, Invest, and Retire planning tools. This policy explains what information we collect, how we use it, and how deletion and third-party processing work. By using Wealth Meadow, you agree to the practices described here.

1. Information We Collect

Account Information

When you create an account, we collect your first name, username, email address, password hash, account status, email verification status, and operational account metadata such as login and session information. Your first name is used to personalize the application; your username is used for authentication. If you use a paid service in the future, we may also store the related billing status and payment-provider identifiers.

Household and Person Information

You may enter person names or labels, birth dates or ages, retirement ages, life expectancy assumptions, marital or household relationships, location, employment details, income assumptions, Social Security assumptions, pension assumptions, and other household planning details. Do not enter information for another person unless you have permission to use it in your household plan.

Budget Data

Budget stores income sources, expenses, debts, mortgages, goals, due dates, recorded spending entries, healthcare expense flags, start and end dates, categories, budget history, and related notes or settings you enter.

Connected Financial Account Data

If you choose to connect a financial account through Plaid Link, Plaid may provide Wealth Meadow with the account, balance, investment, and transaction information that you authorize for the products and accounts you select. This can include institution and account names, account type and mask, balances, transaction dates, amounts, descriptions, merchant information, categories, pending or posted status, and, when an investment connection is enabled, holdings, securities, and investment transactions. Plaid's authorization flow also provides a record of the data scopes, use cases, and accounts you authorized, updated, or revoked. Wealth Meadow does not receive or store your online banking password.

Investment and Retirement Data

Invest and Retire store investment plan names, portfolio groups, investment item names, account-type labels, balances, contribution amounts, growth assumptions, future growth-rate changes, withdrawal start dates, projected balances, retirement plans, withdrawal strategies, withdrawal allocation settings, tax assumptions, income sources, other assets, housing assumptions, and projection snapshots.

Healthcare, Medicare, and Benefit Assumptions

Retire may store healthcare cost assumptions, whether healthcare is included in a linked budget, Medicare and IRMAA assumptions, ACA Marketplace assumptions, coverage-stage information, and related projection breakdowns. These are planning inputs you provide or edit; Wealth Meadow does not verify eligibility for healthcare, Medicare, ACA, or benefit programs.

Payment Information

If paid services are introduced, payments may be processed by Stripe. We do not store card numbers. Stripe may collect and store payment information under its own Privacy Policy. Wealth Meadow may retain customer, checkout, billing-status, and transaction identifiers needed to administer a payment or preserve historical records.

Usage, Device, and Security Data

We may process IP address, browser information, pages visited, timestamps, rate-limit events, session cookies, theme preferences, notification logs, and server or application logs for security, fraud prevention, troubleshooting, and operation of the service. For Plaid troubleshooting, Wealth Meadow records limited Link event names and outcomes, session and institution identifiers, safe error codes, API endpoints, and Plaid request IDs. This diagnostic record does not contain banking credentials, MFA codes, account details, balances, financial contents, Link tokens, access tokens, or raw Link metadata.

2. Cookies and Browser Storage

Wealth Meadow uses essential cookies and limited browser storage:

• Session cookies keep you logged in and protect your account session.
• Preference cookies or local storage may remember settings such as theme or guest-mode budget data.
• Security and rate-limit records help detect abuse and protect the service.

We do not currently use advertising cookies, tracking pixels, or third-party analytics cookies in the application.

3. How We Use Your Information

• To provide Budget, Invest, and Retire features
• To save your assumptions, plans, projections, and settings
• To retrieve, display, organize, and analyze connected financial account data that you choose to share through Plaid
• To calculate and display user-directed planning estimates
• To send account emails such as verification, password reset, support, billing, and enabled notification emails
• To process payments if paid services are introduced
• To respond to support requests you send us
• To detect, prevent, and investigate fraud, abuse, errors, or security incidents
• To maintain, debug, and improve the service

We do not sell your personal data. We do not use your budget, investment, retirement, tax, healthcare, or household data for third-party advertising.

Account Connections and Your Choices

Connecting an account is optional. When you choose to connect, Plaid Link presents the authorization flow for the financial institution and products you select. You can disconnect a connection from Connections in Wealth Meadow. Disconnecting revokes future access, clears the Plaid access token and transaction cursor, removes raw provider payloads, current balances, imported holdings, and investment transactions for that connection, and preserves normalized transaction history and saved Budget decisions so prior Budget records remain understandable. After disconnecting, you can choose Delete imported data and confirm your current Wealth Meadow password to permanently remove that connection's retained Plaid-derived data and related Budget evidence.

AI Features

Ask Wealth Meadow sends the question you type, recent conversation messages, and limited page context such as the current section, plan, month, or person name to OpenAI to generate a response. If you enable AI-assisted transaction organization, Wealth Meadow may send the transaction information and limited related account or Budget-item context needed to generate a suggested outcome. AI suggestions are educational and organizational aids; they are not personalized tax, legal, or investment advice. You can leave AI organization turned off and can review or change a suggested transaction outcome.

4. Email Processing and Notifications

Wealth Meadow sends email through an email service provider configured by us. Emails may include account information, support or billing messages, and, if you enable them, budget or spending notifications. Because email is not a secure vault, avoid enabling detailed financial notifications if you do not want budget or spending details sent to your mailbox.

5. Third-Party Services

We use third parties only as needed to operate the service:

• Plaid for the financial account connection, account, balance, transaction, and investment data you choose to authorize through Plaid Link. Plaid's handling of information is governed by its own privacy and legal notices.
• Stripe for payment processing and billing records if payment features are used.
• Email/SMTP provider for account, notification, marketing-preference, and support emails.
• Hosting and infrastructure providers for servers, databases, backups, logs, and security operations.
• OpenAI for Ask Wealth Meadow responses and, if you enable it, AI-assisted transaction-organization suggestions.
• Supabase to retrieve relevant Wealth Meadow User Guide material for Ask Wealth Meadow. Supabase receives an embedding representation of the question for this retrieval purpose.

These providers may process information on our behalf under their own terms and privacy practices. We do not use third-party advertising networks in the application.

6. Data Retention, Deletion, and Backups

We retain account and planning data while your account is active or as needed to provide the service, comply with legal obligations, resolve disputes, prevent fraud, and maintain security. You may request account deletion through the app or by contacting us.

Raw Plaid transaction response payloads and allowlisted Plaid diagnostic events are operational troubleshooting records and are scheduled for deletion after 90 days. A minimized authorization-evidence record is retained for three years from each event to document that permission was granted, updated, or revoked. It stores event codes and time, authorized use cases and data scopes, a count and hashes of authorized account identifiers, and bounded provider identifiers; it does not retain account names or masks, balances, transactions, holdings, credentials, or tokens. Normalized transaction records and user-reviewed Budget organization can remain while a connection is active and after disconnection because they support the Budget history the user requested. A user can permanently delete retained Plaid-derived financial data for a disconnected institution from Connections. Wealth Meadow keeps only the minimized authorization evidence for its stated period and a minimal non-financial deletion receipt containing internal former record identifiers, the deletion reason and time, and aggregate row counts.

Deleting your account removes the active Wealth Meadow data associated with your account from the application database where technically supported. Some information may remain for a limited period in backups, logs, email records, Stripe records, support records, or security records. We cannot delete records held independently by Stripe, your email provider, or other third parties, but we will stop using active application data after deletion except where retention is legally or operationally required.

7. Your Rights and Choices

Depending on where you live, you may have rights to access, correct, delete, or object to certain processing of your personal data. You can manage notification preferences in your account where available. To exercise privacy rights, use our contact form.

8. Security

We use reasonable technical and organizational measures to protect your information, including hashed passwords, access controls, and encrypted connections where configured. No system is completely secure, and we cannot guarantee absolute security.

9. Children

Wealth Meadow is not directed at children under 18. We do not knowingly collect account data from minors.

10. Changes to This Policy

We may update this policy from time to time. We will notify you of significant changes by email or by posting a notice on the site. The date at the top of this page shows when it was last updated.