1. Introduction

usewell Limited ("usewell", "we", "us", or "our") operates the website and platform available at https://usewell.ai (the “Service”).

Your privacy is critically important to us. This Privacy Policy explains how we collect, use, store, and protect your information including financial and spiritually sensitive stewardship information you choose to share with us.

We will only use your information to:

• provide the Service
• improve the Service
• communicate with you

We will never sell your personal information.

If you have questions or concerns about this policy, please contact: privacy@usewell.ai

2. What Information We Collect

a) Information You Provide Directly

When you use usewell, you may choose to share personal and financial information such as:

• name and email address (required for account creation and verification)
• financial information such as income, savings, debt levels, investments, and giving levels
• financial goals or stewardship preferences
• reflections or mindset information related to financial stewardship and spiritual growth

Providing this information is voluntary. You may use parts of the Service without sharing financial or spiritual information.

b) Financial Account Information

You may choose to connect financial accounts to the Service through a secure financial data provider such as Plaid.

If you choose to connect accounts, usewell may receive limited financial data including:

• account balances
• transaction history
• account metadata such as institution name or account type

When connecting accounts:

• authentication occurs directly with your financial institution
• bank login credentials are handled by the financial data provider and are never stored by usewell

Financial data accessed through Plaid is subject to Plaid's privacy practices. For more information see https://plaid.com/legal/#privacy-policy.

c) Automatically Collected Information

When you use the Service we may collect certain technical information automatically, including:

• IP address
• device type and operating system
• browser type and language
• usage patterns and referring URLs

This information helps us improve performance, maintain security, and troubleshoot issues.

d) Financial Data Transparency

When you choose to connect a financial account through a secure provider such as Plaid, usewell may receive certain limited financial information in order to provide the Service.

Data We May Access

Depending on the financial institution and permissions granted, usewell may access:

• account balances
• transaction history
• account identifiers (such as account type or institution name)

This information allows usewell to provide features such as financial summaries, transaction categorization, and stewardship insights.

Data We Do Not Access

usewell does not access or store:

• your bank login credentials
• your bank passwords
• security questions or authentication codes used by your financial institution

Authentication occurs directly between you, the financial data provider (such as Plaid), and your financial institution.

Data Refresh

Connected financial data may be refreshed periodically to keep information up to date. Refresh frequency may depend on the capabilities of the connected financial institution and the financial data provider.

Users may disconnect financial accounts at any time, which stops further data updates.

3. How We Use Your Information

We use your information to:

• provide and personalize the Service
• generate stewardship insights and suggested next steps
• communicate with you about onboarding, updates, or educational content
• improve the design, functionality, and effectiveness of usewell
• maintain platform reliability and security

We process information based on user consent and because it is necessary to provide the Service.

We do not sell or rent your personal information to third parties.

4. Use of AI and Data Processing

usewell uses artificial intelligence services powered by OpenAI to help analyze information you provide and generate insights.

These systems may analyze information related to:

• income
• savings
• debt
• giving
• investing
• spending behavior

Safeguards include:

• only relevant information is sent to generate insights
• personally identifiable information (such as your name or email) is not sent
• all communication occurs over encrypted connections
• OpenAI does not use this data to train its models

AI-generated insights are provided for educational and reflective purposes only and are not financial, legal, or professional advice.

5. Safeguarding Spiritually Sensitive Financial Behavior

We recognize that your financial decisions may be closely tied to your faith.

Information related to generosity, stewardship, provision, and financial discernment may reflect deeply personal beliefs.

usewell treats spiritually sensitive financial information with respect and care. We will never exploit or misuse this information. Our role is to support your stewardship journey, not prescribe beliefs.

6. Security of Your Data

usewell uses industry-standard safeguards designed to protect user information.

Security measures include:

• encrypted connections using HTTPS / TLS
• secure storage practices
• restricted internal access controls
• email verification for account creation
• secure infrastructure providers
• multi-factor authentication for administrative systems and Plaid-backed financial-data access

Financial account connections use secure authentication flows provided by Plaid and participating financial institutions.

While no system can guarantee absolute security, we continuously work to maintain strong security practices.

7. Data Retention and Deletion

Your information is stored for as long as your account remains active.

You may delete your account and all associated data at any time by:

• using the Delete My Data option within the application
• contacting us directly

Once deleted:

• your data is removed from active systems
• it cannot be recovered

Encrypted backup copies may temporarily retain deleted data for system integrity but are automatically purged during normal backup cycles.

8. Your Rights and Choices

Depending on your location, you may have the right to:

• access your personal information
• update your information
• request deletion of your information
• object to or restrict processing
• withdraw consent
• download your data (data portability)

To exercise these rights, contact privacy@usewell.ai.

We respond in accordance with applicable privacy laws including GDPR, CalOPPA, and the New Zealand Privacy Act.

9. Children's Privacy

usewell is not designed for individuals under 18.

We do not knowingly collect personal information from children.

If you believe a child has provided information to us, please contact us and we will promptly delete the information.

10. Changes to This Policy

We may update this Privacy Policy from time to time.

If significant changes are made we may notify users by email or through the Service.

The most up-to-date version will always be available at https://usewell.ai/privacy.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact:

usewell Privacy Team
privacy@usewell.ai