Privacy Policy

Last Updated:

Welcome To WealthProtect. We Operate A Multivariate Risk Intelligence Software Engine Designed To Translate Your Life Signals Into A Quantifiable Risk Profile. Because We Handle Sensitive Financial And Personal Variables, We Do Not Rely On Standard Data Practices. Your Privacy, Security, And Control Over Your Data Are Explicitly Defined By The Access Tier You Select At Checkout.



1. Information We Collect (Risk Profile Data Vectors)

To generate your personalized assessment, we collect 34 specific, interdependent life signals. By using WealthProtect, you voluntarily provide data across the following categories:

  • Insurance Status: Coverage levels for Health, Term Life, Disability, Whole Life, Annuity, Auto, Homeowners, Renters, Umbrella, and Long-Term Care.

  • Household Metrics: Age range, marital status, dependent count, and localized ZIP code.

  • Employment Profiles: Work status, income stability, industry sector, and employer-provided benefits.

  • Financial Health: Annual household income bracket, emergency savings runway, personal debt levels, and major ongoing obligations.

  • Asset Portfolios: Primary home ownership status, rental property ownership, vehicle ownership/leases, business ownership, and general investment classes (e.g., equities, bonds, cash, crypto).

  • Future Trajectory: Timelines for family expansion, anticipated income changes, planned large capital outlays, and anticipated elderly caregiving responsibilities.

  • Personal Priorities: Primary financial concerns, personal risk tolerance, and coverage preferences (cost vs. protection).

  • Standard Identifiers: Name, email address, payment/billing details (processed securely via Stripe), and standard usage activity (e.g., page views).


2. How We Use and Share Your Data (The Access Fork)

WealthProtect utilizes a dual-path privacy model. Your data's destination is determined entirely by the access tier you select upon completing your risk assessment:

A. Standard Access (Paid Tier) If you select the paid "Standard Access" tier, your data remains strictly confidential.

  • Your 34 life signals are processed securely on our server-side infrastructure solely to compute your results.

  • Your data is never sold, licensed, traded, or shared with third-party brokers, insurance agents, or wealth managers.

B. Partner Access (Free Tier / Value Exchange) If you select the "Partner Access" tier, WealthProtect waives your assessment fee in exchange for the right to share your profile.

  • By selecting this tier, you grant WealthProtect a perpetual, royalty-free license to share your anonymized and/or identifiable risk signals, along with your contact information, with our Trusted Advisor Network.

  • This network includes licensed insurance brokers, estate planning attorneys, and wealth managers who may contact you to offer professional guidance regarding the vulnerabilities identified in your report.

  • Network Optimization Clause: WealthProtect reserves the right to hold this data in secure storage during network optimization phases. Partner matching and data transmission to vetted specialists occur dynamically as our network capacity dictates, meaning your data may not be shared immediately upon submission.


3. Data Storage, Processing, and Security

We utilize industry-standard encryption and a stateless user interface design to protect your data.

  • Stateless Processing: Calculations are performed strictly server-side. Sensitive actuarial logic and localized premium averages are not stored in your browser.

  • Secure Handoffs: Payment processing is handled exclusively through Stripe. WealthProtect does not store or process raw credit card numbers. Your unique assessment ID is securely linked to your checkout session to prevent data interception.


4. Accessibility Commitment

WealthProtect is fundamentally committed to digital accessibility. We are actively optimizing our infrastructure to meet WCAG 2.1 Level AA standards so that all users can diagnose their financial risk. If you encounter any accessibility barriers while using our platform, please contact our remediation team at accessibility@mywealthprotect.com so we can assist you.


5. Data Retention and Your Rights

We retain personal data only as long as necessary to fulfill the purposes outlined in this policy or to comply with legal obligations. Depending on your jurisdiction (e.g., under the CCPA or GDPR), you maintain the right to:

  • Access the specific data vectors we hold about you.

  • Request corrections to your profile.

  • Request the deletion of your data.

  • Withdraw consent for future third-party sharing (Note: withdrawing consent does not retroactively retract data already transmitted to a Trusted Partner under the Free Tier).


6. Changes to This Policy

We may update this policy periodically to reflect changes in our actuarial models, partner network, or legal obligations. Significant changes will be communicated via email or through a prominent notice on our website.