Privacy Policy

Last Updated: March 17, 2026

At Elenvo, Inc. ("Elenvo," "we," "us," or "our"), we take your privacy seriously. This Privacy Policy describes how we collect, use, and protect your personal information when you use our website, mobile application, and services (collectively, the "Services").

By using our Services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, do not use our Services.

Information We Collect

We collect several types of information to provide and improve our Services:

Personal Information:

Name, email address, and contact information
Account credentials and authentication information
Financial goals, preferences, and planning data you provide
Payment and billing information (processed by third-party payment processors)

Financial Data (via Plaid):

When you connect a financial account through our application, we use Plaid, Inc. ("Plaid") to gather your financial data. By using our service, you grant Elenvo and Plaid the right, power, and authority to act on your behalf to access and transmit your financial information from your financial institution.

The types of financial data we may collect through Plaid include:

Account name and type
Account balances
Transaction history

We use this data solely to provide and improve the core functionality of our Services. We do not sell your financial data. You may revoke Plaid access at any time through the application settings, which will trigger immediate deletion of your financial data from our systems.

For more information on how Plaid handles your data, please refer to Plaid's Privacy Policy.

Usage Information:

Device information (IP address, browser type, operating system)
Log data and analytics about how you use our Services
Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

Provide, maintain, and improve our Services
Generate personalized financial planning recommendations
Process transactions and send related information
Send administrative information, updates, and security alerts
Respond to your comments, questions, and requests
Monitor and analyze usage and trends
Detect, prevent, and address technical issues and fraud
Comply with legal obligations

Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

Service Providers: With third-party vendors who perform services on our behalf (e.g., hosting, analytics, payment processing)
Legal Requirements: When required by law or to protect our rights and safety
Business Transfers: In connection with a merger, acquisition, or sale of assets
With Your Consent: When you explicitly authorize us to share information

Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including encryption, secure socket layer (SSL) technology, and secure data storage. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

Access: Request access to the personal information we hold about you
Correction: Request correction of inaccurate or incomplete information
Deletion: Request deletion of your personal information
Portability: Request a copy of your information in a portable format
Opt-Out: Unsubscribe from marketing communications

To exercise these rights, please contact us at privacy@elenvo.ai.

Cookies and Tracking Technologies

We use cookies and similar technologies to collect usage information and improve our Services. Cookies are small data files stored on your device. You can control cookies through your browser settings, but disabling cookies may affect your ability to use certain features of our Services.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of our Services after any changes constitutes acceptance of the updated policy.

Contact Us

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

Elenvo, Inc.
Email: privacy@elenvo.ai
Support: support@elenvo.ai

Financial Privacy Notice (Gramm-Leach-Bliley Act)

Federal law requires us to tell you how we collect, share, and protect your personal financial information. Please read this notice carefully to understand what we do.

FACTS	What does Elenvo do with your personal financial information?
WHY?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
WHAT?	The types of personal financial information we collect depend on which services you use. This information can include: Bank account balances and types (via Plaid) Transaction history and spending patterns (via Plaid) 401(k) plan details, balance, and fee information Age, income estimates, and retirement goals Payment and billing information (via Stripe)
HOW?	We do not sell your personal financial information. We share information only as follows: Plaid, Inc. — Securely connects to your bank accounts with read-only access Stripe, Inc. — Processes payments; we never store full card numbers OpenAI — Receives anonymized financial data (no names, no account numbers) to generate your rollover analysis Resend — Email delivery for account notifications only Expert Advisors — Only if you explicitly request a consultation, and only the information relevant to your inquiry
OPT-OUT	You can limit our sharing at any time: Disconnect your bank account from Transaction Overview Delete your account and all data from Account Settings Contact us at privacy@elenvo.ai
RETENTION	Active accounts: Data retained while your account is active Deleted accounts: All personal data removed within 30 days Payment records: Retained for 7 years per tax and regulatory requirements Bank connections: Plaid access revoked immediately upon disconnect; transaction data deleted

How We Protect Your Information

To protect your personal financial information from unauthorized access and use, we employ security measures that comply with federal law, including:

AES-256 encryption for sensitive data at rest (including Plaid access tokens)
TLS/SSL encryption for all data in transit
Row-level security policies ensuring users can only access their own data
Service-role separation between client and administrative database access
Regular security reviews and access audits