Privacy Policy

Last Updated: October 14, 2025

1. Introduction

Wyred AI ("Wyred," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial intelligence platform and services (the "Services").

2. Information We Collect

2.1 Account Information

When you create an account, we collect your name, email address, phone number (optional), and authentication credentials managed through our authentication provider.

2.2 Financial Data

Through our integration with Plaid, we collect financial account information including:

  • Account balances and transaction history
  • Account and routing numbers
  • Account holder names and addresses
  • Credit card details and rewards information

2.3 Usage Data

We automatically collect information about how you interact with our Services, including:

  • Device information (IP address, browser type, operating system)
  • Log data (access times, pages viewed, actions taken)
  • AI assistant interactions and queries

3. How We Use Your Information

We use your information to:

  • Provide, maintain, and improve our Services
  • Process transactions and send related information
  • Provide AI-powered financial insights and recommendations
  • Send administrative information, updates, and security alerts
  • Detect, prevent, and address technical issues and fraud
  • Comply with legal obligations

4. Data Sharing and Disclosure

4.1 We DO NOT Sell Your Data

We will never sell your personal or financial data to third parties. Your financial information is not a product.

4.2 Service Providers

We share information with trusted service providers who assist in operating our Services:

  • Plaid - Financial account connections
  • AWS - Cloud infrastructure and data storage
  • Cloudflare - Security and content delivery
  • Clerk - Authentication services
  • OpenAI - AI language processing

4.3 Legal Requirements

We may disclose your information if required by law, subpoena, or other legal process, or to protect our rights, property, or safety.

5. Data Security

We implement industry-standard security measures including:

  • AES-256 encryption for data at rest
  • TLS 1.3 encryption for data in transit
  • AWS KMS for key management
  • Multi-factor authentication
  • Regular security audits and monitoring

6. Your Rights and Choices

You have the right to:

  • Access your personal data
  • Correct inaccurate information
  • Delete your account and data
  • Export your data in a portable format
  • Opt-out of marketing communications
  • Revoke account access permissions

To exercise these rights, contact us at privacy@wyred.io.

7. Data Retention

We retain your data for as long as your account is active or as needed to provide Services. When you delete your account, we will delete your data within 30 days, except where retention is required by law.

8. Children's Privacy

Our Services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.

9. International Users

Our Services are operated in the United States. If you access our Services from outside the U.S., your information will be transferred to, stored, and processed in the U.S.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through our Services.

11. Contact Us

If you have questions about this Privacy Policy, please contact us: