Privacy Policy

Last updated: March 20, 2026

At PeerWealthy, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our web application at peerwealthy.com and our iOS mobile application (collectively, the "Platform").

1. Information We Collect

1.1 Information You Provide

We collect information you voluntarily provide, including:

  • Account Information: Name, email address, and password when you create an account. You may also sign in via Google or Apple, in which case we receive your name and email from those providers.
  • Demographic Information: Age range, city, country, and career stage that you select during the onboarding survey.
  • Financial Information: Income range, savings range, investment range, monthly cost range, and debt range that you select during the survey. We collect ranges (e.g., "$50K–$75K"), never exact amounts.
  • Goal Data: Financial goal targets and current amounts you set in the Goals section of the dashboard.
  • Feedback: Whether you indicated results "feel right" or "not quite" via the feedback buttons on the dashboard.

1.2 Information Collected Automatically

When you use PeerWealthy, we automatically collect certain information:

  • Device Information: Device type, operating system, browser type, and screen size
  • Usage Data: Pages visited, features used, time spent on the platform, and interaction patterns (via PostHog analytics on iOS and Google Analytics on web)
  • Log Data: IP address, access times, and referring URLs

2. How We Use Your Information

We use your information to:

  • Calculate your financial percentile rankings across 5 metrics (income, savings, net worth, monthly costs, and savings rate)
  • Match you with a peer group based on your age, location, and career stage
  • Generate personalized insights, tips, and financial action items
  • Display "You vs. Median" comparisons, strongest/weakest metric analysis, and country context
  • Pre-fill your financial goals based on survey data
  • Store comparison history so you can track changes over time
  • Improve and optimize our platform and data accuracy
  • Communicate with you about your account

3. Data Sources for Comparisons

Your percentile rankings are calculated by comparing your survey responses against anonymized, aggregated data from publicly available government datasets:

  • World Bank Poverty and Inequality Platform (income distribution for 170+ countries)
  • US Census Bureau American Community Survey (metro-level household income)
  • Eurostat NUTS2 regional GDP data (European cities)
  • Federal Reserve Survey of Consumer Finances (US age-bucketed net worth and income)
  • ECB Household Finance and Consumption Survey (EU wealth distribution estimates)
  • UBS Global Wealth Report (net worth multipliers)
  • OECD household savings rate data

We do not compare your data against other individual users. All comparisons are against pre-computed statistical aggregates.

4. Payments

PeerWealthy offers a one-time in-app purchase ($1.99) to unlock all financial metrics and insights.

  • Web: Payments are processed by LemonSqueezy, our merchant of record. We do not store your payment card details. LemonSqueezy handles all payment processing, invoicing, sales tax, and VAT compliance.
  • iOS: Payments are processed through Apple's App Store via RevenueCat. Apple handles all payment processing and we only receive a purchase confirmation, not your payment details.

5. Information Sharing

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

  • Service Providers: Supabase (database hosting, EU Ireland), LemonSqueezy (web payments), RevenueCat (iOS payments), PostHog (iOS analytics), Google Analytics (web analytics), Vercel (web hosting)
  • Legal Requirements: When required by law or to protect our rights, safety, or the rights and safety of others
  • Business Transfers: In connection with a merger, acquisition, or sale of assets

6. Data Security

We implement robust security measures to protect your information:

  • All data transmitted via HTTPS (TLS 1.3)
  • Database encrypted at rest (Supabase, EU Ireland, SOC 2 Type II)
  • Row-level security (RLS) policies ensure users can only access their own data
  • Authentication via Supabase Auth with bcrypt password hashing
  • Edge functions deployed with service-role isolation
  • No exact financial amounts stored — only ranges and midpoint estimates

However, no method of transmission over the Internet is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

7. Data Retention

We retain your information for as long as your account is active or as needed to provide you services. Financial snapshots are retained to power your comparison history. You may request deletion of your account and all associated data at any time.

8. Your Rights and Choices

You have the right to:

  • Access the personal information we hold about you
  • Correct inaccurate or incomplete information
  • Delete your account and personal data
  • Export your data in a portable format
  • Opt out of marketing communications
  • Restrict or object to certain processing activities

To exercise these rights, please contact us at hello@nielskaspers.com. We will respond within 30 days.

9. Cookies and Tracking

Our web application uses cookies for authentication session management (Supabase Auth) and analytics (Google Analytics). Our iOS application uses PostHog for analytics. For detailed information about our cookie practices, please see our Cookie Policy.

10. Children's Privacy

PeerWealthy is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. International Data Transfers

Our primary database is hosted in the EU (Ireland) via Supabase. Edge functions run on Supabase's global network. Your information may be processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable data protection laws including GDPR.

12. Third-Party Services

Our platform integrates with the following third-party services:

  • Supabase — Authentication, database, edge functions (EU Ireland)
  • Vercel — Web hosting and deployment
  • LemonSqueezy — Web payment processing (merchant of record)
  • RevenueCat — iOS in-app purchase management
  • PostHog — iOS analytics
  • Google Analytics — Web analytics
  • Apple Sign-In / Google Sign-In — OAuth authentication

Each service has its own privacy policy. We encourage you to review them.

13. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

14. Contact Us

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

PeerWealthy
Email: hello@nielskaspers.com
Website: peerwealthy.com