Privacy Policy

Overview

FinancialCheq LLC ("FinancialCheq," "we," "our," or "us") is committed to protecting the privacy of both employers and employees who use our platform. This Privacy Policy explains how we collect, use, and safeguard your information when you use financialcheq.com and our financial wellness service.

The most important thing to understand about our privacy model: employee financial data is never shared with the employing organization. This is a structural commitment, not just a policy.

Information we collect

We collect two categories of information depending on how you use our service:

Employer information: When an organization signs up to offer FinancialCheq as a benefit, we collect the company name, administrator name, email address, and billing information. We use this to manage the employer account and process payments.

Employee information: When an employee completes our financial wellness intake form, we collect financial information including income, savings account balances, debt balances, retirement contributions, and related financial details. We also collect any documents voluntarily uploaded (such as pay stubs or tax returns) to improve report accuracy. This information is used solely to generate the employee's personalized financial wellness report.

How we use your information

• To generate personalized financial wellness reports for employees
• To provide employers with aggregate, anonymized enrollment and participation statistics
• To improve the accuracy and quality of our AI-generated reports
• To communicate with employers about account management and billing
• To comply with legal obligations

What we never do

• We never share individual employee financial data with the employer
• We never sell personal financial data to third parties
• We never use employee financial data for advertising purposes
• We never make individual employee financial information available to any party other than the employee themselves

Data retention

In demo mode, employee financial data and generated reports are retained only for the duration of the browser session and are not stored on our servers beyond that session. In the full product, employees may choose to create an account to retain their report history. Employers may request deletion of all associated data at any time by contacting us.

Data security

We implement industry-standard security measures to protect your information, including encrypted transmission via HTTPS and access controls that prevent employer administrators from accessing individual employee financial data. While no system is completely secure, we take reasonable precautions to protect against unauthorized access, use, or disclosure.

Third-party services

We use Anthropic's Claude AI to generate financial wellness reports. Financial data submitted through the intake form is transmitted to Anthropic's API for report generation and is subject to Anthropic's data handling practices. We do not retain this data on our servers beyond what is necessary to deliver the report.

Your rights

Employees may request deletion of any data associated with their session at any time by contacting us at privacy@financialcheq.com. Employers may request an audit of what data is stored for their organization.

Changes to this policy

We may update this Privacy Policy from time to time. We will notify registered employer accounts of material changes by email. Continued use of FinancialCheq after changes constitutes acceptance of the updated policy.

Contact

For privacy-related questions or requests, contact us at privacy@financialcheq.com or through our contact page.