Privacy Policy

Effective Date: October 26, 2026

Wise Wallet ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and disclose your personal information when you use our website and services located in Toronto, Ontario, Canada. This policy applies to all users of Wise Wallet, including visitors to our website, users of our budgeting tools, and individuals who contact us with inquiries.

Information We Collect

We collect several types of information from and about users of our services, including:

Personal Information: This includes your name, email address, postal address, phone number, and other information you directly provide to us when you create an account, subscribe to our newsletter, or contact us for support. For example, when you sign up for Wise Wallet Premium, we'll collect your billing address and payment information.
Financial Information: When you use our budgeting tools, you may provide information about your income, expenses, assets, and debts. This information is used to generate personalized budgeting advice and track your financial progress.
Log Data: We automatically collect certain information when you access or use our services, including your IP address, browser type, operating system, referring URLs, pages visited, and the dates and times of your visits. We use this information to analyze trends, administer the site, and gather broad demographic information for aggregate use.
Cookies and Similar Technologies: We use cookies and similar technologies to collect information about your browsing activity. Cookies are small data files stored on your device that enable us to recognize your browser and remember certain information about your preferences. You can control the use of cookies through your browser settings, but disabling cookies may affect your ability to use certain features of our services. Please see our Cookies Policy for more details.

How We Use Your Information

We use the information we collect for the following purposes:

To Provide and Improve Our Services: We use your information to provide you with access to our budgeting tools, personalize your experience, and improve the functionality and performance of our services.
To Communicate with You: We use your information to respond to your inquiries, provide customer support, and send you important updates and notifications about our services.
To Send Marketing Communications: With your consent, we may send you promotional emails and newsletters about new features, offers, and events. You can unsubscribe from these communications at any time by clicking the "unsubscribe" link in the email.
To Analyze and Improve Our Business: We use your information to analyze trends, track user behavior, and improve our marketing efforts.
To Comply with Legal Obligations: We may use your information to comply with applicable laws, regulations, and legal processes.

How We Share Your Information

We may share your information with the following categories of recipients:

Service Providers: We may share your information with third-party service providers who assist us with various aspects of our business, such as payment processing, data analytics, email marketing, and customer support. These service providers are contractually obligated to protect your information and use it only for the purposes for which we disclose it to them.
Business Partners: We may share your information with trusted business partners who offer products or services that may be of interest to you. However, we will only share your information with these partners with your consent.
Legal Authorities: We may disclose your information to legal authorities if required to do so by law or legal process, or if we believe that such disclosure is necessary to protect our rights, property, or safety, or the rights, property, or safety of others.
Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of the transaction. We will notify you via email and/or a prominent notice on our website of any change in ownership or control of your personal information.

Your Rights

You have the following rights with respect to your personal information:

Right to Access: You have the right to access the personal information we hold about you and to receive a copy of it.
Right to Rectification: You have the right to correct any inaccurate or incomplete personal information we hold about you.
Right to Erasure: You have the right to request that we delete your personal information, subject to certain exceptions.
Right to Restriction of Processing: You have the right to restrict the processing of your personal information in certain circumstances.
Right to Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format and to transmit it to another controller.
Right to Object: You have the right to object to the processing of your personal information in certain circumstances, including for direct marketing purposes.
Right to Withdraw Consent: If you have provided us with your consent to process your personal information, you have the right to withdraw your consent at any time.

To exercise any of these rights, please contact our Data Protection Officer at dpo@wise-wallet.ca.

Data Security

We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure. These measures include:

Using encryption to protect sensitive information during transmission.
Storing your information on secure servers that are protected by firewalls and other security measures.
Limiting access to your information to authorized personnel who need it to perform their job duties.
Regularly monitoring our systems for security vulnerabilities.

However, no method of transmission over the internet or method of electronic storage is completely secure. Therefore, we cannot guarantee the absolute security of your personal information.

Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to provide you with our services, comply with our legal obligations, resolve disputes, and enforce our agreements.

When we no longer need your personal information, we will securely delete or anonymize it.

Children's Privacy

Our services are not intended for children under the age of 16. We do not knowingly collect personal information from children under 16. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child under 16, we will take steps to delete it.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the "Effective Date" at the top of this page. Your continued use of our services after the effective date of the revised Privacy Policy constitutes your acceptance of the changes.

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

Wise Wallet
Privacy Department
100 King Street West, Suite 5600
Toronto, ON M5X 1C9
Canada

Email: privacy@wise-wallet.ca
Phone: +1 392-449-9358

Data Protection Officer: Dr. Amelia Stone, dpo@wise-wallet.ca