Privacy policy

Draft for legal review, 8 October 2026. Text in [square brackets] is for the owner to fill in or decide.

Who we are

MyWellth is a financial-wellness education service run by [legal business name], [postal address] ("MyWellth", "we", "us"). If you have a question about your privacy, or want to use any of the rights below, email hello@mywellth.ca. Our privacy officer is [name or role].

MyWellth is for education only. It doesn't give personal financial advice, and it never asks for bank logins or account numbers.

What we collect

The waitlist. If you join the waitlist before MyWellth opens, your email address, that you agreed to hear when MyWellth opens (with the date and the wording you saw), whether and when you confirmed your address, and the country and province or state your internet address points to (not the internet address itself). We use it only to tell you when MyWellth opens. You can take yourself off the list with the link in our email; we then stop emailing you, and we delete waitlist entries [within 12 months of MyWellth opening].

Your account. Your first name, your email address and a password (stored only in scrambled form by our sign-in provider), or the basic details Google shares if you sign in with Google (your name and email address).

Where you signed up from. Your country, worked out from your internet address when you sign up, so we can show prices in Canadian or US dollars. We don't keep the internet address itself with your account.

Your answers and choices. Your answers to the questions when you join (how you feel about debt, how much time you have, your life stage, when reminders suit you), your time zone, your currency and number style, and your reminder and email choices.

Your entries. Everything you choose to write in MyWellth: worksheet answers, your Snapshot, notes, net-worth items, check-ins, reviews and the status of each area. Some of these may include amounts if you choose to enter them. You decide what goes in; none of it is required.

Your agreements. When you agreed to these terms and this policy, and whether you agreed to news and tips by email, with the date and where you did it.

Your subscription. Your plan, its status and when it renews. Payments are handled by Stripe: we never see or store your card details.

Messages we've sent. A record of which reminders and account emails we've sent you and when, so nothing is sent twice.

Reminders on your devices. If you turn on reminders, your browser gives us an address for sending them to that device. It doesn't identify you.

How MyWellth is used. Events such as "an area was opened" or "a check-in was saved", linked to an anonymous account number, with broad details: your country, your trial day, your subscription status, your answers to the joining questions, and the kind of browser and device you're using. Never your name, email address, entries, amounts or notes, the addresses of pages you visit, or your location. We don't use cookies for this.

Problems and security. If something goes wrong in the app, a report of where it went wrong, with anything that could be an entry (numbers, quoted text, email addresses) removed first. To protect accounts, we count sign-in and other attempts in a way that doesn't store your email or internet address. Our hosting provider keeps standard server logs, including internet addresses, for a short time.

Why we use it

• To run your account and keep your entries in step across your devices.
• To send the emails and reminders you've asked for, and essential account emails (about your free month ending, payment problems, or your account being deleted).
• To take payments and keep the records the law requires.
• To keep MyWellth secure and working, and to understand which parts help people, so we can improve it.

We don't sell your information, share it for advertising, or use it to make decisions about you. We only send news and tips by email if you've agreed, and you can stop them at any time.

Who helps us

We use these companies to run MyWellth. Each only gets what it needs for its job, and each has agreed to protect it.

Some of these are outside Canada, so your information may be processed in other countries and be subject to their laws, including access by their courts and authorities.

How long we keep it

• While you have an account, we keep your entries so you can use them.
• After your free month, if you don't subscribe, your account becomes read-only and everything stays saved.
• If you don't sign in for 11 months while read-only, we email you. If you still haven't signed in after 12 months, we delete your account and every entry.
• When you delete your account in Settings, your account and every entry are deleted straight away. Copies in our backups are removed within [30] days.
• Payment records (invoices) are kept by Stripe and us for as long as tax law requires, even after your account is deleted.

Your choices and rights

You can, at any time:

• see and download your entries (Settings → Download my data);
• correct your name and answers in Settings;
• delete your account and every entry (Settings → Delete my account);
• stop reminders and news in Settings, or with the link in any reminder email.

You can also ask us what personal information we hold about you, ask us to correct it, or complain about how we've handled it, by emailing hello@mywellth.ca. We'll reply within 30 days. If you're in Canada and not satisfied with our answer, you can contact the Office of the Privacy Commissioner of Canada. If you live in a US state with a privacy law (such as California), you have rights to know, correct and delete your information, and to not be treated differently for using them. We don't sell or share personal information as those laws define it.

Cookies and device storage

MyWellth uses one kind of cookie: the sign-in cookie that keeps you signed in. It can't be read by scripts in the page. MyWellth also keeps a copy of your entries in your browser's storage so it works offline. We don't use advertising or tracking cookies.

Keeping it safe

Your information travels encrypted. Each member can only reach their own entries; this is enforced by the database itself. Payment details stay with Stripe.

Children

MyWellth is for adults. It isn't meant for anyone under [18], and we don't knowingly collect information from children.

Changes to this policy

If we change this policy in a way that matters, we'll tell you by email or in the app before the change takes effect. The date at the top shows the latest version.