Privacy Policy

Last updated: June 4, 2025

Introduction

At BrightUp (operated by Upward Wealth, Inc.), your privacy and financial security are our highest priorities. This Privacy Policy explains how we collect, use, protect, and share your personal and financial information when you use our financial coaching platform.

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 Data

Your financial security is our top priority. We implement multiple layers of protection to keep your data safe.

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
  • Regular security audits
  • 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 use your information to:

  • Provide personalized financial coaching and insights
  • Track your financial progress and goals
  • Facilitate communication between you and your coach
  • Generate aggregated, non-identifiable reports for building management
  • Improve our services and platform functionality
  • Comply with legal and regulatory requirements

Data Sharing

We Never Sell Your Data

We never sell your personal data to any third parties. Your financial information is used solely to provide you with personalized coaching and insights.

Limited Sharing

We may share aggregated, non-personally identifiable information with:

  • 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 (if enabled)

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: Unsubscribe from communications

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

Data Retention

We retain your personal information for as long as necessary to:

  • Provide our services to you
  • Comply with legal obligations
  • Resolve disputes
  • Enforce our agreements

When you close your account, we will delete or anonymize your personal data 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.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by:

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

Your continued use of BrightUp after any changes indicates your acceptance of the updated policy.

Contact Us

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

Email: [email protected]

General Support: [email protected]

Company: Upward Wealth, Inc.

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