Privacy Policy

Effective Date: March 18, 2026 | Last Updated: March 18, 2026

1. Overview

WisePlanWealth is a Canadian retirement planning calculator. All data entered into the app is stored exclusively on-device using the iOS/macOS Keychain. Nothing leaves your device.

2. Data We Collect and Store

The following data may be stored locally on your device when you use WisePlanWealth:

Personal planning inputs
Financial account balances (RRSP/RRIF, TFSA, Non-Registered, Crypto)
Custom investment holdings
Government benefits (CPP, OAS, GIS)
Income streams
Spending plan parameters
Asset value history

All of this data remains on your device and is never transmitted to any server or third party.

3. Network Requests

WisePlanWealth makes limited, targeted network requests only when you explicitly trigger a lookup or when you have opted in to automatic price updates. No personal information is sent in any of these requests.

Trigger	Service Contacted	Data Sent	Purpose
User taps Lookup on stock/ETF	Yahoo Finance	Ticker symbol	Fetch market price
User taps Lookup on crypto	CoinGecko	Coin symbol	Fetch crypto price
App fetches FX rate	Frankfurter API	Currency pair (e.g. USD/CAD)	Convert to CAD
Auto Price Update (opt-in, off by default)	Yahoo Finance / CoinGecko	Ticker symbols	Background hourly price refresh during market hours

No personal information is sent in any request.

4. Data Sharing

WisePlanWealth does not sell, share, rent, or transmit your data to any third party. There are no user accounts, no registration requirements, no analytics SDK, and no advertising of any kind.

5. Data Security

All data is stored in the iOS/macOS Keychain, which is encrypted by the operating system and protected by your device passcode and/or biometrics. WisePlanWealth does not implement any additional encryption layer because the OS-level protection is already robust.

6. Data Deletion

You can delete all stored data at any time by navigating to Menu → Reset All Data within the app, or by deleting the app from your device entirely.

7. Children's Privacy

WisePlanWealth is not directed at children under the age of 13 and does not knowingly collect any information from children.

8. Changes to This Policy

If material changes are made to this Privacy Policy, the Last Updated date at the top of this page will be updated accordingly. Continued use of the app after any changes constitutes acceptance of the revised policy.

9. Contact

For questions or concerns about this Privacy Policy, please reach out:

Email: wiseplanwealth@proton.me
Website: wiseplanwealth.com