Privacy Policy

1. Overview

Wealora ("Wealora", "we", "us") operates a personal portfolio management service at wealora.in and app.wealora.in (the "Service"). This policy explains what information we collect when you use the Service, why we collect it, how it's protected, and the choices and rights you have over it.

By creating an account or using the Service, you agree to the collection and use of information as described here. If you don't agree, please don't use the Service.

2. Information we collect

Account information

Your name, email address, and a securely hashed password (see Section 4 — we never store or can see your actual password). If you register or sign in through your app account, we also record your country/base currency preference.

Financial information you enter

Everything you choose to add to track your portfolio: bank/cash account balances, gold & silver purchase details, stock and mutual fund holdings and transactions, cryptocurrency holdings, real estate details, loan and EMI schedules, financial goals, and any notes or values you attach to them. This is the core of what the Service does, and it's the most sensitive information we hold — see Section 4 for how it's protected.

Files you upload

Purchase bills, item photos, and broker statement files you choose to upload — for example, a gold purchase bill or a support ticket attachment. These are stored privately and only ever accessible through your own logged-in session (see Section 4).

Support & contact information

If you contact us — through the in-app support system or the wealora.in contact form — we keep the message, your name and email, and our replies, so we can help you and follow up if needed.

Payment information

If you upgrade to Plus, payment is processed directly by our secure payment partner. We receive and store confirmation of the transaction (amount, currency, status, a payment reference ID) — we never receive or store your card number, UPI PIN, or bank credentials.

Technical & usage information

Standard web request information (IP address, browser type, timestamps) is processed transiently to operate and secure the Service — for example, to detect abuse or diagnose errors — and is not used to build an advertising profile of you.

3. How we use it

• To provide the Service: calculate your net worth, keep prices current, and show your portfolio back to you.
• To operate your account: authentication, password reset, plan/billing status, and account settings.
• To communicate with you: verification codes, welcome and receipt emails, EMI/goal reminders, replies to support requests — and, if you contact us, a confirmation and our reply.
• To keep the Service secure and reliable: detecting abuse, debugging issues, and enforcing our Terms & Conditions.
• To improve the Service: understanding, in aggregate, which features are used, so we can prioritize what to build next.

We do not sell your personal or financial information, and we do not use it to serve you third-party advertising.

4. How we store & protect it

• Secure connections: every connection to the Service is encrypted.
• Password security: your password is protected in a way that means we can never see or recover it ourselves — only you know it.
• Private storage: your data is kept in a private system that isn't directly reachable from the public internet. Files you upload are kept privately too — they're only ever served back to you through your own logged-in session, never as a public link anyone could access.
• Access control: only your own logged-in session can read your data; our support team can access account details only as needed to help with a request you raise.

5. Third parties we work with

We use a small number of service providers to run Wealora, each only for the specific purpose below — none of them are permitted to use your data for their own purposes:

• Cloud hosting provider — hosting for our application, database and file storage.
• Payment processor — payment processing for Plus subscriptions. See their own privacy policy for how they handle payment details.
• Email delivery provider — sending transactional email (verification codes, receipts, reminders, support replies) on our behalf.
• Market data providers — used only to look up current gold, stock and crypto prices by symbol; no personal or account information is shared with them.

6. Cookies & tracking

Inside the app, we use only what's strictly necessary to keep you signed in — your session is identified by a token stored in your browser, not a tracking cookie.

Our public marketing website (wealora.in) uses Google Analytics to understand traffic and improve the site. This sets cookies (such as _ga) and shares usage data — pages visited, approximate location, device and browser type — with Google. It does not run inside the logged-in app and never sees your account or portfolio data. See Google's privacy policy for how they handle this data.

We do not use third-party advertising trackers, and we do not sell data to ad networks. If this changes in the future, we'll update this policy first.

7. Data retention & deletion

We keep your account data for as long as your account is active, plus what's needed afterward for legitimate purposes like fraud prevention and legal compliance. Specifically:

• Uploaded files are cleaned up automatically once they're no longer needed — for example, a metal purchase's photo and bill are deleted the moment you delete that purchase, and support ticket attachments are deleted 7 days after the ticket is closed.
• If you delete your account from Settings, deletion is scheduled with a short grace period (so an accidental click doesn't cost you your data); once that window passes, your account and associated data are permanently removed from our active systems. Our account deletion page sets out the exact steps and what is deleted versus retained.

8. Your rights

You can, at any time and without contacting anyone:

• Access everything you've stored, directly in the app.
• Export a PDF net worth report (Plus plan) whenever you like.
• Correct any information by editing it directly.
• Delete your account and data from Settings.

If you'd rather we handle a request on your behalf, or you have any other privacy question, contact us and we'll help.

9. Children's privacy

The Service is intended for users who are at least 18 years old. We don't knowingly collect information from anyone younger, and if we learn that we have, we'll delete it.

10. Where your data lives

Wealora's infrastructure is hosted within India. Your data is not knowingly transferred outside the country except where a third-party provider listed in Section 5 processes it as part of delivering their service to us.

11. Changes to this policy

We may update this policy as the Service evolves. We'll update the "Last updated" date above, and for material changes, we'll make a reasonable effort to notify you by email or an in-app notice.

12. Contact us

Questions about this policy or your data? Reach us at support@wealora.in or through our contact form.