Who we are
Hoarding Wealth is operated by VexLynk LLC, 240 Manor Blvd, Naples, FL 34104, United States, which is responsible for your information. In this policy, "we" and "us" mean VexLynk LLC.
Information we collect
We collect account and financial information you choose to provide, assessment answers, content you create, and technical data needed to operate and protect the service.
How we use information
We use your data to provide the budgeting, goals, learning, planning, community, and contextual guidance you request; maintain your account; prevent abuse; and improve product reliability.
AI Wealth Coach
The Coach uses only context permitted for your account and household. Do not share secrets, credentials, or information you do not want processed to receive a response.
Analytics
We use Google Analytics, through Google Tag Manager, to count visits and key steps such as sign-ups and payments. It uses cookies and receives a random visitor id and your account id, never your name, email or financial details. Advertising features are off. You can block it in your browser without affecting the app.
Households
Household data remains subject to the household owner, permissions, and parental controls.
Teen accounts (ages 13 to 17)
Only a household owner, who must be the teen's parent or guardian, can create an account for a teen aged 13 to 17. By creating it, the parent consents to us handling the teen's data as described here. For a teen we keep their name, the name others see, date of birth, and what they create in the app (budget, journal, lessons, and posts). Teens sign in with an address the app creates, so they receive no marketing email and no ads.
What parents see and decide
The parent sees what their teen posts in the teen community, can approve posts before others see them, chooses which features the teen can use (including AI), and can pause the account, create a new password, or delete it. Teens see only the teen community; adults cannot see the teen community, and teens cannot see the adult one.
Keeping teens safe
We review posts with automatic checks, including an AI moderation service, and hold posts that share contact or location details. If a teen writes something that may mean they want to hurt themselves, the post stays private, we alert their parent and our team right away, and we show the teen where to get help.
Children under 13
Hoarding Wealth is not for children under 13, and we do not knowingly collect their data. If we learn an account belongs to a child under 13, we delete it.
Deletion and turning 18
When a parent deletes their teen's account, we delete the teen's data, files, posts, and notifications; we keep only a record that a deletion happened, with nothing about the person. At 18 the parent can convert the account to an adult account: their teen community posts are removed and they keep the rest of their history.
Providers, security, and retention
We use providers needed for authentication, hosting, payments, email, and AI features. We apply access controls and retain data according to operational, security, and legal needs.
Your choices
You can update profile information and preferences inside the application. For privacy questions or data requests, write to support@hoardingwealth.com or VexLynk LLC, 240 Manor Blvd, Naples, FL 34104, United States.