Privacy Policy
Last Updated: May 20, 2026
Your financial psychology data is sacred. We built this policy to be readable, not lawyerly — so you actually know what we collect, why, and how we protect it.
The Short Version
We Never Sell Your Data
No advertising. No data brokers. No exceptions.
Bank-Level Encryption
AES-256 at rest, TLS 1.3 in transit. Passwords are hashed using bcrypt — never stored or viewable.
You're in Control
Download, correct, or delete your data anytime. Includes regulatory verification history.
Account Information
When you create an account, we collect your full name, email address, phone number, date of birth, and employment type to set up your Psychnex profile.
Financial Data
With your explicit consent, we collect bank account data via Plaid (read-only), tax documents, income and expense records, mileage logs, receipt scans, and investment information. This data is used solely to power your financial tools and recommendations.
Behavioral & FinPsych Data
We collect your FinPsych Assessment responses, behavioral finance patterns, money psychology profile, AI advisor conversation logs, and goal-setting data. This is used to personalize your financial guidance — NOT for behavioral health diagnosis, treatment, or clinical purposes.
Regulatory Verification Data
When you or your matched specialists perform regulatory verification checks through our platform (FDIC institution lookups, SEC company searches, FINRA BrokerCheck, NIPR license verification, OFAC sanctions screening, NMLS originator lookup), we collect the verification inputs (bank name, CRD number, license number, entity name) and store the results in our secure database. This creates an auditable compliance trail. Raw regulatory API responses are retained for 90 days, then summarized for long-term compliance records.
First Responder ID Data
For users of the Watch Portal (first responder vertical), we may collect and verify government-issued identification (badge number, department, agency, union membership) for portal access verification. ID verification data is encrypted at rest, access-logged, and used solely for identity validation — never shared outside the platform.
Usage Data
Device information, IP address, browser type, operating system, pages visited, features used, session duration, and click patterns are automatically collected to improve platform performance.
Youth Account Data (COPPA-Limited)
For users under 18, we collect only: name, age range, and parent/guardian email. No financial, behavioral, or sensitive data is collected for minors without verified parental consent. Youth accounts are governed by COPPA and require active parental setup.
Core Platform Services
We use your information to create and manage your account, power your FinPsych profile, generate personalized financial plans, run AI advisor conversations, and connect you with matched human specialists.
Tax & Financial Optimization
Your financial and tax data powers PsychnexTax, IRS e-file bureau submissions, Schedule C/1040 auto-fill, mileage/receipt scanning, and AI tax optimization — always with your explicit authorization for IRS submissions.
Regulatory Verification & Compliance
Verification inputs and results are used to provide real-time compliance verification against U.S. regulatory databases (FDIC, SEC EDGAR, FINRA, NIPR, OFAC, NMLS). Results are stored to create an audit trail for compliance reviews, dispute resolution, and regulatory examinations. You and authorized specialists can view your verification history at any time.
Platform Improvement
Aggregated and anonymized usage data helps us improve features, fix bugs, and personalize the experience. Your individual data is never sold or used for advertising profiling.
Important Limitation
We use behavioral finance data to improve your financial outcomes — NOT for behavioral health diagnosis, treatment, or clinical purposes. Psychnex is a financial wellness platform, not a mental health provider.
Psychnex Inc. is a Delaware C-Corporation (EIN 42-1840203) with principal offices in Wilmington, NC. Registered agent: The Corporation Trust Company, 1209 Orange St, Wilmington, DE 19801. Incorporated April 2026. Psychnex is not a registered investment advisor, not a licensed financial institution, and not FDIC insured. Financial information provided on the platform is for educational purposes only. See our Financial Disclaimer for full details.
Privacy & Consent