Privacy Policy
Vestie, Inc. ("Vestie," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and share your information when you use our website, mobile app, and related services (collectively, the "Services"). By using our Services, you agree to the terms of this Privacy Policy and our Terms of Service.
1. Information We Collect
Identity and Contact Information
This may include:
- Name
- Email address
- Phone number
- Mailing or residential address
- Date of birth
- Other information required to establish or verify an account
Identity Verification and Regulatory Information
Information may be collected or processed by Vestie and/or our service providers as necessary for identity verification, brokerage onboarding, tax reporting, fraud prevention, securities and regulatory compliance, and eligibility verification. This may include a Social Security number or other tax identification information, citizenship or residency information, identification information, and other information required by our brokerage or regulatory partners. Some of this information is collected or maintained by Alpaca or another service provider rather than stored directly by Vestie.
Financial Information
This may include:
- Connected bank information
- Financial institution information
- Account identifiers
- Bank-linking information
- Funding information
Certain financial information may be provided or processed through Plaid or other financial-service providers.
Investment Profile Information
This may include:
- Investment objectives
- Risk tolerance
- Time horizon
- Financial circumstances
- Onboarding questionnaire responses
- Portfolio preferences
Investment and Account Activity
This may include:
- Deposits and withdrawals
- Portfolio allocations
- Holdings and account balances
- Orders, transactions, and other investment activity
Authentication Information
This may include authentication information associated with email and password login, Sign in with Apple, Google Sign-In, and other sign-in methods we support.
Device, Technical and Usage Information
This may include:
- IP address
- Device type, operating system, and browser information
- App activity, logs, diagnostics, and security information
- Cookies or similar technologies on the website
2. How We Collect Information
Firebase and Google are used to authenticate accounts, including email and password login and Google Sign-In. Apple provides Sign in with Apple and processes App Store subscription purchases.
Plaid is used to connect a bank account. By using that connection, you allow Vestie and its providers to retrieve the bank information needed to fund your account.
Alpaca provides brokerage and custody infrastructure. Information required to open and service a brokerage account may be collected or processed by Vestie and/or Alpaca.
Cookies on our website are used to keep you signed in, remember preferences, and understand how the site is used. You can control cookies through your browser settings.
We may use analytics technologies on our website to understand site usage, diagnose technical issues, improve performance, and improve the Services. The Vestie iOS app does not use Google Analytics.
3. How We Use Information
We use your information to:
- Provide, personalize, and improve the Services
- Open and service investment accounts, including portfolio management and funding
- Develop and support product features, including auto-invest
- Verify identity, meet regulatory obligations, and prevent fraud
- Communicate with you about your account, updates, security issues, or support needs
- Monitor usage and detect abuse or suspicious activity
- Process subscriptions and related payments
5. Data Retention and Deletion
Account Deletion
You may initiate deletion of your Vestie account directly within the Vestie app by going to Settings and selecting “Delete Account.” You may also contact us at hey@vestie.com for assistance.
When an account is deleted, Vestie will delete or de-identify personal information associated with the account except information we are required or permitted to retain under applicable securities, financial-services, tax, fraud-prevention, legal, or regulatory requirements.
Data Retention
We retain personal information for as long as reasonably necessary to provide the Services, maintain accounts, comply with applicable legal and regulatory obligations, resolve disputes, enforce agreements, prevent fraud, and protect the security of the Services.
Certain financial, investment, transaction, identity-verification, tax, or regulatory records may be retained after an account is closed or deleted where required or permitted by law.
6. Children's Privacy
Vestie's Services are intended only for individuals who are 18 years of age or older. We do not knowingly offer investment accounts to or collect personal information for purposes of providing the Services from individuals under 18.
7. Security
We use technical and administrative measures to safeguard your data, including:
- Encryption of data in transit
- Secure authentication through Firebase, Google, and Apple
- Access controls that limit who can view account information
No system is completely secure. By using the Services, you understand that we cannot guarantee absolute security.
8. Your Rights
You may:
- Access or update your personal information
- Delete your Vestie account in the app under Settings, or ask us for help at hey@vestie.com
- Unsubscribe from optional marketing emails
- Manage app and device permissions, such as notifications, through your device settings
- Disconnect a linked financial account where the product supports it
These choices do not let you opt out of information processing that is necessary to provide brokerage, investment-advisory, security, legal, or compliance functions.
Contact us at hey@vestie.com to exercise your rights or request assistance.
9. Changes to This Policy
We may update this Privacy Policy from time to time. Material changes will be communicated by email or a notice in the app. Continued use of the Services after an update means you accept the updated policy.
10. Contact Us
If you have questions or concerns about this Privacy Policy, contact us at hey@vestie.com.
Vestie, Inc. is incorporated in Delaware, USA.