This Privacy Policy describes how Wyvr ("we," "us," or "our") collects, uses, and protects your personal information when you use the Wyvr app. By using the App you agree to the practices described here.

We collect the following categories of information:

• Account information: your name and email address when you register
• Financial data you enter: income, bills, credit card balances, loan balances, investment accounts, savings goals, and subscription information
• Usage data: how you interact with the App (pages visited, features used) to improve the product
• Payment information: processed entirely by Stripe — we never see or store your full card number

We use your information solely to:

• Provide, maintain, and improve the Wyvr service
• Generate personalized financial insights and calculations
• Send account-related emails (receipts, security alerts, product updates)
• Comply with legal obligations

• We do not sell your personal or financial data to any third party
• We do not share your data with advertisers
• We do not use your financial data to train AI models
• We do not send marketing emails without your consent
• We do not store or have access to your bank login credentials — these go directly to Plaid
• We do not access more financial data than is necessary to provide the Wyvr service

Your data is stored securely using Supabase, a SOC 2 compliant database provider. All data is encrypted in transit (TLS) and at rest (AES-256). We use row-level security policies to ensure users can only access their own data.

We use a limited number of trusted third-party services to operate the App:

• Supabase — database and authentication
• Stripe — payment processing
• Anthropic — AI coaching features
• Plaid Technologies, Inc. — bank account and financial data connectivity

Each of these providers has their own privacy policy and security practices. We do not share more data with these providers than is necessary to provide the service.

Wyvr uses Plaid Technologies, Inc. ("Plaid") to enable users to optionally connect their bank accounts and financial institutions to the App. By connecting your financial accounts through Plaid, you authorize Wyvr to access your account balances, transaction history, and related financial data through Plaid's services.

When you connect a financial account through Plaid:

• Your bank login credentials are entered directly into Plaid's secure interface — Wyvr never sees, stores, or has access to your banking username or password
• Plaid retrieves your financial data (balances, transactions, account details) and passes it to Wyvr solely for the purpose of displaying it within the App
• We use this financial data only to provide you with financial tracking, analysis, and coaching features within Wyvr
• We do not sell, rent, or share your Plaid-sourced financial data with any third parties for marketing or advertising purposes
• We do not use your transaction data to train AI models or for any purpose other than providing the Wyvr service to you
• You can disconnect your financial accounts at any time through the App, which will stop Wyvr from accessing new data through Plaid

Plaid's data handling practices are governed by Plaid's Privacy Policy. By using the bank connectivity feature, you also agree to Plaid's End User Privacy Policy.

The financial data accessed through Plaid is used exclusively to:

• Display your account balances and transactions within the App
• Automatically track debt balances and subscription charges
• Provide personalized financial insights and AI coaching recommendations
• Calculate your net worth, monthly cash flow, and debt payoff projections