Last Updated: January 23, 2026

Rewiser ("we," "our," or "us") is committed to protecting your privacy and being transparent about how we collect, use, and safeguard your information. This Privacy Policy explains our practices regarding your personal and financial data when you use the Rewiser application and services.

By using Rewiser, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies, please do not use our Service.

1. Information We Collect

We collect different categories of information to provide and improve our personal finance management services.

1.1 Identity and Account Information

When you create an account, we collect:

• Name
• Email address
• Password (encrypted)
• Age (to verify legal age requirements)

Purpose: To create and maintain your account, authenticate your identity, and communicate with you about your account and our services.

1.2 Financial Data

To provide personal finance management features, we may collect:

• Transaction data (purchases, payments, transfers)
• Account balances and summaries
• Spending categories and patterns
• Budget and financial goal information you create

Purpose: To enable you to track your spending, categorize transactions, create budgets, generate financial reports, and gain insights into your financial habits.

Important: We do not use your financial data for advertising, profiling, resale, or third-party marketing purposes.

1.3 Technical and Usage Data

We automatically collect technical information when you use our app:

• Device information (type, operating system, unique device identifiers)
• IP address and general location data
• App usage patterns and interaction logs
• Error reports and performance data

Purpose: To maintain and improve app functionality, diagnose technical issues, enhance user experience, and ensure the security of our services.

1.4 Analytics Data

We collect information about how you use Rewiser:

• Features you use most frequently
• Time spent in the app
• Navigation patterns

Purpose: To understand user behavior, improve our services, and develop new features that better serve your needs.

2. Financial Data Collection via Apple FinanceKit

Rewiser uses Apple's FinanceKit API to access financial data from your Apple Wallet. This section explains our specific practices regarding FinanceKit data.

2.1 What is FinanceKit?

FinanceKit is an Apple framework that allows apps to securely access financial information from compatible accounts linked to your Apple Wallet with your explicit permission.

2.2 Consent and Authorization

• We only access your financial data through FinanceKit with your explicit consent.
• You control which accounts we can access through Apple's permission system.
• You can revoke access at any time through your device settings.
• We only access accounts that are compatible with and connected to Apple Wallet.

2.3 How We Use FinanceKit Data

Financial data obtained through FinanceKit is used exclusively for:

• Displaying your transaction history within the app
• Categorizing your spending automatically
• Generating personalized budgets and financial insights
• Creating financial reports and summaries
• Helping you track your financial goals

2.4 What We Do NOT Do with FinanceKit Data

We explicitly commit to the following restrictions:

• No third-party sharing: We do not share, sell, or rent your FinanceKit data to any third parties, including advertisers, data brokers, or marketing partners.
• No advertising: We do not use your financial data for targeted advertising or marketing purposes.
• No profiling for external purposes: We do not create profiles of you to sell or share with others.
• No cross-app tracking: We do not use your financial data to track you across other apps or websites.

2.5 Security of FinanceKit Data

Financial data accessed through FinanceKit is protected with:

• End-to-end encryption both in transit and at rest
• Secure storage compliant with Apple's security standards
• Access controls limiting who within our organization can view this data
• Regular security audits and vulnerability assessments

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 To Provide Core Services

• Authenticate and manage your account
• Display your financial transactions and account balances
• Categorize spending and generate financial reports
• Enable budget creation and tracking
• Provide personalized financial insights

3.2 To Improve and Develop Our Services

• Analyze usage patterns to enhance user experience
• Identify and fix technical issues
• Develop new features based on user needs
• Conduct research to improve our algorithms and categorization accuracy

3.3 To Communicate with You

• Send important account notifications and security alerts
• Respond to your support requests and inquiries
• Notify you of significant changes to our services or policies

3.4 To Ensure Security and Compliance

• Detect and prevent fraud and unauthorized access
• Comply with legal obligations
• Enforce our Terms of Service
• Protect the rights and safety of our users and the public

4. How We Share Your Information

4.1 We Do Not Sell Your Data

We do not sell, rent, or trade your personal information or financial data to third parties for their marketing purposes.

4.2 Service Providers

We may share limited information with trusted third-party service providers who assist us in operating our app, such as:

• Cloud hosting and storage providers
• Customer support platforms
• Analytics services (using anonymized data)

These providers are contractually obligated to protect your data and use it only for the purposes we specify.

4.3 Legal Requirements

We may disclose your information when required by law, such as:

• In response to a valid court order, subpoena, or legal process
• To protect the rights, property, or safety of Rewiser, our users, or the public
• To prevent or investigate fraud, security issues, or illegal activities

4.4 Business Transfers

If Rewiser is involved in a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, provided they agree to honor this Privacy Policy.

5. Data Retention and Deletion

5.1 How Long We Keep Your Data

We retain your information only as long as necessary to:

• Provide our services to you
• Comply with legal obligations (e.g., tax and accounting records)
• Resolve disputes and enforce our agreements

5.2 Account Deletion

When you delete your account:

• We will permanently delete your personal and financial data within 60 days
• Some information may be retained in anonymized form for analytics
• Backup copies may persist for a limited time due to our backup schedule but will be deleted in accordance with our backup retention policy

5.3 Automated Deletion

If your account remains inactive for an extended period (6 years), we may automatically delete your data after notifying you at your registered email address.

6. Your Rights and Choices

You have the following rights regarding your personal information:

6.1 Access Your Data

You can request a copy of the personal and financial data we hold about you at any time.

6.2 Correct Your Data

You can update or correct your account information directly within the app or by contacting us.

6.3 Delete Your Data

You can request deletion of your account and associated data through the app settings or by contacting our support team.

6.4 Withdraw Consent

You can withdraw consent for data collection at any time by:

• Revoking FinanceKit access through your device settings
• Deleting your Rewiser account

6.5 Opt-Out of Communications

You can opt out of non-essential emails by using the unsubscribe link in any email we send or by adjusting your notification preferences in the app.

6.6 How to Exercise Your Rights

To exercise any of these rights, please contact us at privacy@rewiser.io. We will respond to your request within 30 days.

7. Data Security

We take the security of your information seriously and implement industry-standard measures to protect it:

7.1 Encryption

• All data transmitted between your device and our servers is encrypted using TLS/SSL
• Financial data is encrypted at rest using AES-256 encryption
• Passwords are hashed and never stored in plain text

7.2 Access Controls

• Strict access controls limit who within our organization can access sensitive data
• Multi-factor authentication for our internal systems
• Regular access audits and reviews

7.3 Security Monitoring

• Continuous monitoring for suspicious activities
• Regular security assessments and penetration testing
• Incident response procedures to address potential breaches

7.4 Apple Security Standards

Our use of FinanceKit complies with Apple's stringent security requirements, including secure data handling and user privacy protections.

7.5 No Guarantee of Absolute Security

While we use reasonable efforts to protect your data, no method of transmission or storage is 100% secure. We cannot guarantee absolute security but are committed to protecting your information to the best of our ability.

8. Children's Privacy

Rewiser is not intended for use by individuals under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected data from a child under 13, we will take steps to delete that information promptly. If you believe your child has provided us with personal data, please contact us immediately.

9. International Data Transfers

Rewiser is operated from Türkiye. If you are accessing our services from outside Türkiye, your information may be transferred to, stored, and processed in Türkiye or other countries where our service providers operate. These countries may have different data protection laws than your country of residence.

By using our services, you consent to the transfer of your information to countries outside your country of residence, including Türkiye.

10. Cookies and Tracking Technologies

10.1 What We Use

We use the following technologies to enhance your experience:

• Cookies: Small data files stored on your device to remember your preferences and login status
• Local Storage: Browser-based storage for app settings and cached data
• Sessions: Temporary identifiers to maintain your login state

10.2 Managing Cookies

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our app. We do not place personally identifiable information in cookies.

11. Third-Party Services and Links

Our app may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

12. Regional Privacy Rights

12.1 European Economic Area (GDPR)

If you are located in the EEA, you have additional rights under the General Data Protection Regulation (GDPR):

• Right to access: You can request access to your personal data
• Right to rectification: You can request correction of inaccurate data
• Right to erasure: You can request deletion of your personal data ("right to be forgotten")
• Right to restrict processing: You can request that we limit how we use your data
• Right to data portability: You can request a copy of your data in a machine-readable format
• Right to object: You can object to certain types of processing
• Right to withdraw consent: You can withdraw consent at any time where we rely on consent

We process your data lawfully based on:

• Your consent for using our services
• Contractual necessity to provide our services
• Legal obligations we must comply with
• Our legitimate interests in improving and securing our services

To exercise your GDPR rights, please contact us at privacy@rewiser.io. We will respond within one month.

12.2 California Residents (CCPA/CPRA)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know: You can request information about the categories and specific pieces of personal information we collect, use, disclose, and sell
• Right to Delete: You can request deletion of your personal information
• Right to Correct: You can request correction of inaccurate personal information
• Right to Opt-Out: You can opt out of the sale or sharing of personal information (note: we do not sell personal information)
• Right to Limit Use of Sensitive Personal Information: You can limit our use of sensitive personal information
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

Categories of Personal Information We Collect

• Identifiers: Name, email address, account credentials
• Financial Information: Transaction data, account balances (via FinanceKit with your consent)
• Internet Activity: App usage data, device information
• Geolocation Data: General location based on IP address

How We Use Each Category

We use the categories above exclusively for:

• Providing personal finance management services
• Improving app functionality and user experience
• Security and fraud prevention
• Customer support

We Do Not Sell Personal Information

Rewiser does not sell or share your personal information for cross-context behavioral advertising. We have not sold personal information in the past 12 months.

To exercise your California privacy rights, contact us at privacy@rewiser.io. We will verify your identity and respond within 45 days.

12.3 Other Jurisdictions

If you reside in other jurisdictions with privacy laws (e.g., Brazil's LGPD, Canada's PIPEDA), you may have similar rights. Contact us to learn about your specific rights and how to exercise them.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes:

• We will update the "Last Updated" date at the top of this policy
• We will notify you of significant changes via email or in-app notification
• We will give you an opportunity to review the updated policy before it takes effect

Your continued use of Rewiser after changes take effect constitutes your acceptance of the updated Privacy Policy. If you do not agree to the changes, you may delete your account.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: privacy@rewiser.io
• Support: https://support.rewiser.io/contact
• General Inquiries: hello@rewiser.io

We are committed to addressing your concerns and will respond to your inquiries within a reasonable timeframe.

15. Summary of Key Points

For your convenience, here's a quick summary of our privacy practices:

• ✓ We collect identity, financial, technical, and usage data to provide personal finance management services
• ✓ We use Apple FinanceKit only with your explicit consent to access your financial data
• ✓ We do NOT sell, share, or use your financial data for advertising
• ✓ Your data is encrypted in transit and at rest
• ✓ You can access, correct, or delete your data at any time
• ✓ We comply with GDPR, CCPA, and Apple's FinanceKit requirements
• ✓ You can revoke FinanceKit access anytime through device settings
• ✓ We retain data only as long as necessary and delete it within 60 days of account deletion