Privacy Policy

About Us

BrightUp (operated by Upward Wealth, Inc.) is a financial wellness platform offering personalized financial coaching, planning tools, and Compassionate Capital to help you grow both your net worth and self-worth.

By using BrightUp, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Personal Information

• Name, email address, and phone number
• Building and unit information (for residential programs)
• Date of birth (for identity verification)
• Communication preferences

Financial Information

• Bank account balances and transaction history (through Plaid)
• Credit report data (through Spinwheel)
• Financial goals and coaching session notes
• Custom transaction categorizations

Usage Information

• Platform usage patterns and preferences
• Communication history with coaches
• Progress tracking data

How We Protect Your Information

We use industry-standard security measures—encryption, access controls, audits—to protect your data. While no system is infallible, we work diligently to maintain your security.

Bank Credentials Security

We do not store your bank account credentials. Your login information is securely managed by our trusted partner, Plaid, a leading financial technology company that uses bank-level security and is regularly audited for compliance with industry standards.

Data Transmission & Storage

• Secure data transmission protocols with encryption
• Regular security audits and compliance monitoring
• Read-only account access (we cannot make transactions)
• No transaction capabilities through our platform

Access Controls

Your financial information is only accessible to:

• Your assigned financial coach
• Authorized BrightUp administrators (for support purposes only)

Who Cannot See Your Information

Your personal financial data is protected from:

• Building management, except aggregated with other residents in a way that is not personally identifiable
• Third-party marketers or advertisers
• Government agencies (except as required by law)
• Insurance companies

How We Use Your Information

We collect and use your information—including name, email, phone, financial data via Plaid or Spinwheel, and usage logs—to:

• Provide and improve services
• Respond to inquiries and support requests
• Process transactions and manage accounts
• Send updates, notifications, and personalized communications
• Track your financial progress and goals
• Facilitate communication between you and your coach
• Generate aggregated, non-identifiable reports for building management
• Comply with legal and regulatory requirements

SMS Terms & Conditions

By providing your mobile number, you consent to receive SMS messages from BrightUp about coaching sessions, platform notifications, and account alerts.

• Message frequency: May vary based on your activity and preferences
• Charges: Standard message & data rates apply
• Opt out: Reply "STOP" at any time to unsubscribe
• Help: Reply "HELP" or email [email protected]

Important: Your number and SMS consent are never sold or shared with third parties.

Sharing of Information

We Do Not Sell Your Personal Data

We do not sell your personal data. Your financial information is used solely to provide you with personalized coaching and insights.

Limited Sharing

We may share information only to:

• Comply with legal obligations
• Work with trusted service providers (e.g. Plaid, Spinwheel, Twilio), under confidentiality agreements
• Provide aggregated, non-personally identifiable information to building management for overall financial health trends
• Research partners for improving financial coaching methodologies (with your consent)

Service Providers

We work with trusted service providers who help us deliver our services:

• Plaid: For secure bank account connectivity
• Spinwheel: For credit report access
• Twilio: For SMS notifications and communications

These providers are bound by strict confidentiality agreements and can only use your data to provide services to us.

Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correct: Update or correct inaccurate information
• Delete: Request deletion of your personal data
• Restrict: Limit how we process your data
• Disconnect: Remove your financial account connections at any time
• Opt out of SMS: Reply "STOP" to any SMS message
• Opt out of promotional messages: Unsubscribe from email communications

To exercise these rights, contact us at [email protected].

Data Retention

We retain your data as long as necessary to deliver services, comply with legal requirements, and enforce agreements. This includes:

• Providing our services to you
• Complying with legal obligations
• Resolving disputes
• Enforcing our agreements

Account closures result in deletion or anonymization within 90 days, except where retention is required by law.

Children's Privacy

BrightUp is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

Policy Updates

We may update this Privacy Policy occasionally. Changes will be posted here with a revised date. Your continued use of BrightUp constitutes acceptance of the updated policy.

We will notify you of any significant changes by:

• Posting the new Privacy Policy on this page
• Updating the "Last updated" date
• Sending you an email notification for significant changes

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: