Privacy Policy

Effective Date: April 1, 2026 · Last Updated: April 1, 2026

      SweepIQ is committed to protecting your privacy. This policy explains what data we collect, how we use it, and your rights regarding your information. We never sell your data to third parties.
    

1. Who We Are

SweepIQ is operated by SweepIQ LLC, a Utah limited liability company ("SweepIQ," "we," "us," or "our"). Our registered address is 7533 S Center View Ct, Ste N, West Jordan, UT 84084. You can reach us at [email protected].

2. Information We Collect

We collect the following categories of information:

Account Information

Name, email address, and password when you create a SweepIQ account
Profile information you provide (phone number) for account management purposes

Financial Information (via Plaid)

Bank account balances from your connected checking account
Transaction history (up to 3 months) used to calculate a suggested target balance for your review
We do not store your bank login credentials. All bank connectivity is handled by Plaid Technologies, Inc.

Brokerage Information (via OAuth)

Brokerage account details, portfolio positions, and order history through your connected brokerage account
OAuth access tokens used to execute trades on your behalf within your brokerage account
SweepIQ does not collect or store identity verification information such as SSN or date of birth — your brokerage provider handles all KYC/AML requirements directly when you create your brokerage account

Usage Information

Device type, operating system, and app version
Push notification tokens for sending account alerts
App activity logs for debugging and service improvement

3. How We Use Your Information

We use your information solely to provide the SweepIQ service:

To connect your checking account and monitor your balance via Plaid
To notify you when your balance exceeds or falls below your configured target, and to automatically purchase securities in your brokerage account based on your configured rules when funds are available
To calculate a suggested target balance based on your spending history for your review and configuration
To send push notifications and email alerts about your account activity
To verify your identity as required by financial regulations
To provide customer support
To comply with applicable laws and regulations

We do not use your financial data for advertising, marketing profiling, or any purpose other than operating the SweepIQ service for you.

4. How We Share Your Information

We do not sell your personal information. We share your information only with the following service providers as necessary to operate SweepIQ:

Plaid Technologies, Inc. — bank account connectivity and transaction data. Subject to Plaid's Privacy Policy.
Alpaca Securities LLC — brokerage account services and trade execution (supported integration partner). Subject to Alpaca's Privacy Policy.
Resend — transactional email delivery (password resets, account notifications).
RevenueCat — subscription management and billing.
Render — cloud infrastructure and hosting.

We may also disclose your information if required by law, regulation, legal process, or governmental request.

5. Data Security

We implement industry-standard security measures to protect your information, including:

Encryption of data in transit using TLS/HTTPS
Encryption of sensitive data at rest, including OAuth tokens and bank connection tokens
Secure authentication with hashed passwords and multi-factor authentication
OAuth 2.0 for brokerage account connectivity — we never store your brokerage login credentials
Access controls limiting who can access your data

No method of transmission or storage is 100% secure. If you believe your account has been compromised, please contact us immediately at [email protected].

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. If you close your account, we will delete or anonymize your personal information within 90 days, except where we are required to retain it by law (for example, for tax or regulatory compliance purposes).

Bank balance and transaction data fetched via Plaid is retained only as long as necessary to provide the SweepIQ service. Cached balance data is refreshed regularly and stale data is overwritten.

7. Your Rights

You have the following rights regarding your personal information:

Access — You may request a copy of the personal information we hold about you.
Correction — You may request that we correct inaccurate information.
Deletion — You may request that we delete your personal information, subject to legal retention requirements.
Disconnection — You may disconnect your bank account or close your SweepIQ account at any time through the app.

To exercise any of these rights, contact us at [email protected].

8. Children's Privacy

SweepIQ is not directed at children under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or through the app. Your continued use of SweepIQ after any changes constitutes your acceptance of the updated policy.