Privacy Policy

Information we collect

• Contact and account information: your email address, name, and internal user ID.
• Financial information: connected account metadata, balances, transactions, holdings, and investment details when you link institutions, including transaction names, merchants, dates, amounts, income-source clues from deposit descriptions, and investment holdings such as ticker symbols, allocations, and values.
• Planning information: details you enter such as age, retirement age, household inputs, manual corrections, and feedback about AI-generated insights.
• Support information: information you send us when you contact support.
• Operational data: limited server-side operational logs such as request types, timestamps, and user IDs needed to keep the service working. These logs are not intended to contain financial detail.

What we do not collect

• We do not collect your bank password directly. Bank credentials are handled through Plaid's connection flow.
• We do not intentionally store full account numbers or routing numbers in the app database. Masked last-four account references may be stored for account identification.
• We do not use advertising identifiers, app tracking, or third-party analytics SDKs in the app.

How we use your information

• To create and maintain your NestPath account.
• To show your dashboard, Retirement Readiness score, recent activity, and other app features.
• To generate AI-assisted summaries and planning insights based on your financial information and planning context.
• To improve the relevance of insights when you dismiss them or add planning corrections.
• To secure the app, troubleshoot problems, and respond to support requests.

Service providers we use

• Plaid to connect financial institutions and retrieve account, balance, transaction, and holdings data that you authorize. Plaid access tokens are stored server-side only and are revoked on a best-effort basis when you delete your account.
• Supabase for authentication, account storage, and user data storage.
• OpenAI to help generate financial summaries, transaction categorization, planning insights, and portfolio/risk analysis from the facts available in your account.

We use these providers to operate the app. We do not sell your personal information.

When OpenAI-backed features run, the data shared can include account balances, transaction descriptions, merchant names, amounts, investment holdings, ticker symbols, allocations, and planning inputs that are relevant to the requested summary or analysis.

How linked-account data and manual corrections work together

NestPath treats linked financial-account data as the primary source for balances, transactions, and investment details. If you tell us important context is missing, such as unlinked cash, we may store that correction so future summaries can better reflect what you reported.

Account deletion and account management

You can permanently delete your NestPath account from the app’s Settings screen. Deleting your account removes the NestPath account and associated user-scoped data.

Read account deletion details

Data retention and security

We keep account data for as long as your NestPath account remains active or as needed to operate the service, support users, or comply with applicable obligations. We use service providers and application controls intended to protect account access and stored data.

• Data is transmitted over HTTPS/TLS.
• Plaid access tokens stay server-side and are not stored in the iOS app.
• On-device persistence is limited to normal app/runtime behavior and standard system caching rather than a separate offline financial-data store.

Children’s privacy

NestPath Advisor is intended for general personal financial planning and is not directed to children. If you believe an account was created inappropriately, contact support.

Your rights and privacy requests

• You can view your connected financial picture inside the app.
• You can disconnect linked institutions in the app.
• You can delete your NestPath account in the app.
• California residents may contact support with privacy requests related to access or deletion.
• If you would like to opt out of special offers, newsletters, or marketing emails, email support@nestpathadvisor.com.

Changes to this policy

We may update this Privacy Policy from time to time. If we make material changes, we may update this page and, when appropriate, notify users inside the app or through other reasonable means.