WealthFluent Privacy and Security Policy
Last updated July 15, 2025
WealthFluent, operated by Ripsaw LLC, is committed to protecting your privacy. We understand that keeping your information secure and confidential is essential to earning and maintaining your trust.
We NEVER rent, sell, or trade your Personal Information (as defined below) to anyone.
This Privacy and Security Policy describes our policies and procedures for collecting, using, disclosing, sharing, and protecting your Personal Information. We refer to Ripsaw LLC as “WealthFluent,” “we,” “us,” or “our.” We refer to those who visit our website without logging in as “Visitors,” those who create an account (“Account”) or use our services as “Users,” and those who enroll in our Wealth Management Service as “Clients.” Together with our Terms of Use Agreement, this Policy governs your use of our services.
How to Use This Policy
This Policy explains how we gather and use your Personal Information across our services, including account aggregation and our AI Assistant feature. We detail sharing/disclosure practices, collection of non-Personal Information, security measures, data deletion requests, and opting out of marketing. For questions, contact us as outlined below.
How We Collect and Use Your Personal Information
“Personal Information” includes identifiable details like your name, email, mailing address, phone number, account credentials, account numbers, or other identifiers collected via our website, mobile app, or communications that could identify you.
Except as stated here, we do not share your Personal Information with anyone, including for third-party promotional use. We will NEVER sell, rent, or trade it.
We may collect non-Personal Information from your activities (e.g., browser data, cookies). See “How We Collect and Use Non-Personal Information From Your Browser and App Activities” below.
Information collected varies by service use:
For Visitors
When visiting our website, we may place a cookie to recognize return visits, collecting your IP address and browser type only. See non-Personal Information section below.
For Users
Personal Information We Collect:
- Upon registration: Your name, email address, phone number, and optional details (e.g., age, health, investable assets, risk preferences).
- For surveys (optional): Demographic or other provided information, retained indefinitely.
- For account aggregation: Login credentials, security questions, and account data (e.g., balances, transactions, holdings).
- For AI Assistant (optional): Access to your account data, holdings, financial plans, goals, and related information to respond to queries.
How We Use Your Personal Information:
- To create and manage your Account, authenticate devices, and communicate updates or maintenance.
- For aggregation: Securely retrieve and display data, provide visualizations, and offer insights.
- For AI Assistant: Process data to summarize, analyze, or present it in response to your queries, supporting self-directed decision-making. The AI Assistant does not provide advice or recommendations; outputs are informational only and may be inaccurate due to AI limitations.
- For support: Respond to inquiries and offer services like consultations.
- For optimization: Monitor performance, provide anonymized comparisons (e.g., vs. aggregated user data), personalize experiences, and publish anonymous trends (e.g., financial patterns). We anonymize data before aggregation.
We may share data with third-party providers (e.g., for aggregation or AI hosting on Amazon Bedrock) under contracts requiring them to safeguard it and use it only for our services. They may use anonymized data commercially only after removing Personal Information.
For Consultation Service Users
Personal Information We Collect:
- Financial goals, investment objectives, household employment/income, retirement details, and shared info about spouse/partner/beneficiaries.
How We Use Your Personal Information:
- To inform on portfolio risks/opportunities, provide customized insights, and personalize experiences.
For Customer
Personal Information We Collect:
- Upon enrollment: Tax data (e.g., bracket, cost basis), bank/investment login info (via secure third-party like Yodlee), investment objectives, and profile details.
How We Use Your Personal Information:
- To deliver Wealth Management Service per enrollment agreements.
With Whom We Share Your Personal Information
Except as noted, we do not share Personal Information. We may share:
- For business operations: E.g., with Yodlee for aggregation (transmitting credentials securely to institutions).
- For surveys: Contact info with contracted third parties (prohibited from other uses/sharing).
- For Wealth Management: As disclosed in enrollment documents.
- With third-party providers: For services like AI hosting (Amazon Bedrock), under strict contracts for security and limited use.
- In anonymized form: For trends/analysis, after removing Personal Information.
How We Collect and Use Non-Personal Information From Your Browser and App Activities
We collect this to optimize, secure, and simplify your experience (not shared externally).
- Browser/Device: User agent string for device/OS/browser compatibility and security.
- Cookies: For security, navigation, personalization, stats, and ad performance tracking (may involve third parties; governed by their policies, e.g., Google Analytics). Manage via browser settings.
- Pixel Tags: To measure communications/marketing effectiveness and resolve support issues.
- IP Address: For usage stats, diagnostics, fraud detection, and authentication.
Additional Privacy and Security Information
Security Measures:
We use measures complying with laws, including:
- Bank-level security: SSL for transit, AES for rest; credentials not stored post-aggregation.
- Third-party aggregation: Via industry leaders with regulatory oversight.
- Device authentication: Recognize devices; notify/authorize new ones; remove lost devices.
- No money movement: View-only access.
- Account monitoring: Comprehensive transaction views.
- For AI Assistant: Secure data access/processing on Amazon Bedrock; no additional sharing beyond service needs.
Reviewing/Updating Personal Information:
Access/update via “settings” in website/app. Provide accurate, up-to-date info for service relevance.
Email Marketing Opt-Out:
Our marketing emails comply with CAN-SPAM; opt out via links.
Deletion/Retention of Personal Information:
We retain indefinitely unless requested otherwise; inactive data may be removed after 60 days. We delete upon request (via support@wealthfluent.com, subject: “CANCEL”) after confirmation, retaining only legally required data.
Do Not Track Signals:
We do not respond to browser “Do Not Track” signals; tracking may occur via us/third parties.
Advertising:
No third-party ads on our platforms; we support partnerships.
Social Media:
Integrations (e.g., Facebook, Twitter, LinkedIn) subject to their terms/policies for shared content.
Protecting Children’s Privacy:
Not for under 13; no knowing collection without consent. See FTC site for COPPA info.
Questions, Comments, or Feedback?
Contact:
Attention: Privacy & Security
Ripsaw LLC
96 Pikes Way
Edwards, CO 81632
http://www.wealthfluent.com
support@wealthfluent.com