Privacy Policy

Draft updated: September 25, 2026

1. Scope and operator

This policy describes the intended privacy practices for the WorthNow website, mobile product, and related services. WorthNow’s legal operating entity has not yet been finalized. Until it is, references to “WorthNow,” “we,” “us,” and “our” describe the project and its future operator, not a fabricated legal entity.

2. Information you provide

Depending on the feature, you may provide profile details, financial goals, bills, plans, purchase decisions, notes, feedback, support messages, and other information you choose to enter.

3. Financial and account-provider data

If provider connections are enabled in the future and you choose to use them, WorthNow may process account identifiers, balances, transactions, institution names, and connection status received from the provider. The exact provider, fields, permissions, and disclosures will be documented before that connection is offered. WorthNow does not currently offer a live public provider connection.

4. Purchase, receipt, and import data

You may choose to provide purchase details, receipts, or imported records. These can include merchant, item, price, date, category, financing, and source information. Imports should preserve their origin so changes can be explained and, where supported, rolled back or removed.

5. Device and technical data

We may process limited device, browser, network, app version, diagnostic, security, and request information needed to operate, protect, and troubleshoot the service. This public website does not use third-party analytics, advertising pixels, fingerprinting, session replay, or unnecessary cookies.

6. How information is used

• Provide and explain WorthNow features and decision-support results.
• Protect bills, commitments, reserves, and plans within calculations.
• Operate, secure, diagnose, and improve the service.
• Respond to support, privacy, feedback, and security messages.
• Comply with law and enforce applicable terms.

7. Decision and provenance processing

WorthNow may combine information you enter, information you authorize from providers, derived calculations, timing, and source metadata to explain a financial decision. The product is designed to mark estimates and unknowns, preserve provenance, and avoid presenting uncertainty as fact.

8. Service providers and processors

We may use carefully selected hosting, infrastructure, communications, security, and account-service providers to process information on our behalf. Production providers and subprocessors have not yet been finalized. Before launch, this policy must identify material categories and any disclosures required by law.

9. No advertising sale or profile

WorthNow does not sell or rent personal or financial data for advertising. We do not create a financial advertising profile for third-party targeted advertising. If affiliate links are later offered, that commercial relationship will not determine affordability guidance or product ranking.

10. Retention

We intend to keep information only as long as needed for the service, user instructions, security, dispute resolution, and legal obligations. Specific retention periods and backup deletion windows must be finalized before production launch.

11. Security practices

WorthNow is designed around least privilege, member authorization, data minimization, revocable sessions, and an API-mediated financial data path. No system can guarantee absolute security. Controls must be tested and reviewed as production systems are commissioned.

12. Access, export, correction, and deletion

The product architecture includes paths for access, export, correction, and deletion. These rights and tools will become available with production identity. Before then, this website does not pretend a live account exists. See the account deletion resource or contact privacy@worthnow.us.

13. Provider disconnect

When provider connections are enabled, users should be able to disconnect them. Disconnecting stops future collection through that connection but may not automatically delete information already received; deletion and retention choices will be explained at that time.

14. Import rollback and removal

Where an import supports rollback or removal, WorthNow should make the scope and result clear. Some records may need to be retained temporarily for security, integrity, or legal reasons.

15. Legal obligations and business transfers

Information may be preserved or disclosed when reasonably necessary to comply with law, protect people or the service, investigate abuse, or respond to valid legal process. If the business is reorganized, financed, acquired, or sold, information may transfer subject to appropriate notice and applicable law.

16. Children’s privacy

WorthNow is not intended for children under 13, and we do not knowingly collect their personal information. Product eligibility for teenagers, if any, has not yet been finalized and will require additional safeguards and disclosures.

17. U.S. state privacy rights

Residents of certain U.S. states may have rights to know, access, correct, delete, or obtain a copy of personal information, and to opt out of certain uses. Which state laws apply and the required verification and appeal procedures must be finalized before launch. WorthNow does not sell personal information or use it for cross-context behavioral advertising.

18. International users

WorthNow is being prepared for an initial U.S. launch. International availability, lawful transfer mechanisms, and region-specific rights are not yet finalized.

19. Changes

We may update this policy as the product, providers, and law change. Material changes will be identified through an updated effective date and any additional notice required by law.

20. Contact

Privacy questions and requests: privacy@worthnow.us.