Privacy Policy

Personal information: Name, email, phone, address and financial information voluntarily shared through consultations, newsletters or financial-planning tools.

Non-personal information: Browsing history, IP address and device information collected automatically while using the website.

• Provide financial advisory services.
• Communicate about accounts and investment strategies.
• Deliver relevant information, alerts and service communications.
• Meet legal, court and regulatory requirements and prevent fraud, money laundering or criminal activity.
• Analyse usage and improve website and mobile-app features.

We do not sell or share personal information for third-party marketing. Information may be shared with contracted service providers who must keep it confidential and secure, or disclosed when required by law, subpoena or court order.

• Maintain physical, electronic and procedural safeguards.
• Limit information access to authorised personnel.
• Review security practices regularly.

This policy may be updated from time to time, with changes posted on this page.

To access, correct, amend or delete personal information, register a complaint or request more information, email support@worthostech.com.

Worth uses third-party artificial intelligence (“AI”) services to power certain features within the app, including the “Ask Worth” AI Copilot (which answers your financial questions) and automated weekly financial insights.

Our AI Provider

We use Anthropic, Inc. (“Anthropic”), a United States–based company, as our AI service provider. Anthropic provides the Claude AI model that generates personalised responses and insights based on your financial data. Anthropic’s privacy practices are governed by their own privacy policy, available at anthropic.com/legal/privacy.

Data We Share With Anthropic

When you use the Ask Worth Copilot or receive AI-generated insights, we share the following types of data with Anthropic to generate a relevant response:

• Aggregated financial summary data: your total net worth, portfolio allocation percentages across asset classes (equity, debt, liquid, hybrid), monthly income and spending category totals, financial goal targets and progress percentages, financial health score components, daily safe-spend amount, and summary of outstanding loans and credit cards.
• Portfolio-level holdings data: names of your mutual fund schemes, stocks, and ETFs along with their current values, invested amounts, and returns (used to generate insights about your portfolio).
• The text of your question or request when you use the AI Copilot.
• Your plan tier (Free, Goals, Premium) and consent status, used only to determine what level of response the AI should provide.

Data We Never Share With Anthropic

We never share the following with Anthropic:

• Your name, email address, phone number, residential address, or any direct personal identifiers
• Your PAN, Aadhaar, or any government identification numbers
• Your bank account numbers, credit card numbers, UPI IDs, or financial credentials
• Your login credentials, passwords, or authentication tokens
• Individual transaction-level details, including merchant names, exact transaction amounts, dates, or counterparty details
• Your location data, device identifiers, or advertising identifiers

How Anthropic Uses This Data

Under our commercial agreement with Anthropic:

• Anthropic processes the data solely to generate the specific response or insight you have requested
• Anthropic does not use your data to train or improve their AI models
• Anthropic does not retain conversation data beyond what is required to process your request
• Anthropic complies with industry-standard data protection requirements, including SOC 2 Type II certification
• Data is processed in Anthropic’s secure cloud infrastructure and is not shared with any other third party

Your Consent and Control

Before you use any AI-powered feature in Worth for the first time, we will ask for your explicit consent through an in-app disclosure screen. You may:

• Decline AI features and continue to use all other Worth features (Net Worth tracking, Health Score, Daily Safe Spend, Goals, Spending Intelligence)
• Withdraw your consent at any time by going to Settings → Privacy → AI Features in the app and toggling AI features off
• Request information about the AI processing of your data by contacting us at support@worthostech.com

If you turn off AI features, the Ask Worth Copilot and automated AI insights will be disabled for your account. All other features will continue to function normally.

Data Protection in Transit

All data transmitted between Worth and Anthropic is encrypted in transit using TLS 1.3. We send only the minimum data necessary to generate your AI response, and we do not transmit raw transaction records or personal identifiers.

Changes to AI Services

If we change our AI service provider or materially change what data we share with the provider, we will update this Privacy Policy and notify you through the app before the change takes effect.