Privacy Policy

Welcome to WealthNX.ai (at https://www.wealthnx.ai/), an AI-enabled messaging and analytics environment ("WealthNX" or the "Platform") that provides users with various tools and features (the "Services"), each as described more completely under the WealthNX.ai Terms of Service (at https://wealthnx.ai/terms-and-conditions). The Platform and the Services consist only of software made available to users ("you" or "your") by Inexor Inc. (including its operators and affiliates, "we," "our," or "us") subject to the WealthNX.ai Terms of Service and this Privacy Policy (this "Policy," at https://wealthnx.ai/privacy-policy). By registering for or using or accessing the Platform or the Services, whether or not your do so on behalf of any other person or entity, you hereby accept and agree to be bound by this Policy.

1. Your Personally Identifiable Information

1.1 Personal Information Collected

We collect information that you voluntarily provide via the Platform, when using or accessing the Services, when connecting any third-party accounts, or in connection with your interactions with our partners or suppliers or with Third-Party Providers (as that term is defined under the WealthNX.ai Terms of Service). The information you submit might include your name, company information, street address, email address, phone number, and, in some cases, social security number or other tax ID number. We consider this information to be your personally identifiable information (your "PII"). Unless we have your complete street address, we do not consider your city, state, ZIP code, or general geographic location (including as it might be deduced based on your IP address) to be your PII. We collect information about the devices you use to access the Platform or the Services (including but not limited to IP address, device type, operating system, browser or client, session times, feature usage, error reports, and crash logs), which we do not believe to constitute your PII; provided, however, that certain device information of residents of certain states might be considered "Personal Information" under applicable state consumer privacy or data collection laws. We also may collect the content of messages, prompts, file attachments, and AI model context that you submit using the Platform or the Services, as well as the outputs provided to you by the Platform or the Services; With the sole exception of payment or billing information and any inputs to or outputs from the Platform or the Services that are derived from the personal, financial, or other accounts that you connect or link to your account via a Third-Party Provider (which might contain PII or other sensitive information), all other such inputs and outputs are the exclusive property of us or our partners and suppliers and may use it for any purpose in our sole and absolute discretion.

1.2 Use of Your Personal Information

Your PII might be shared with Third-Party Providers, between us and our partners or suppliers, or to other entities based on any separate requests you might make to us. When you provide PII like your phone number or email address, such as when registering for an account to use or access the Platform or the Services, we may use it to reach you to fulfill your request, answer your questions, or obtain or associate additional information about you or your organization. We may use whatever information we might have or know about you, including your PII, to customize or enhance your experience on the Platform or when using or accessing the Services, provide you with information on or access to our products or services or those of our partners or suppliers, or to communicate with you about those products or services. We may use this information to optimize the manner in which the Platform and the Services operate. We may also aggregate and use this information to produce reports and analytics for our own purposes. We do not sell your PII to third parties, and we do not otherwise make commercial use out of your PII other than for business purposes directly related to supporting the provision of the Platform or the Services to you or as otherwise specified above.

1.3 Disclosure of Your Personal Information

We may disclose whatever information we might have or know about you, including your PII, without first providing you additional notice or obtaining your consent, to (a) third-party service providers that provide advice, products, or services to us, or that help us improve the Platform, the Services, or any other of our services, features, or content (or those of our partners or suppliers) and their value to users of the Platform or the Services, (b) a potential acquirer in connection with any merger, acquisition, or sale of at least substantially all our business assets; (c) third parties to whom disclosure of your information is deemed to be required by law, regulation, or legal process, or that is or could be reasonably necessary to enforce or take appropriate action under the WealthNX.ai Terms of Service, or (d) other third parties when reasonably necessary to protect our rights, property, or safety, or that of the Platform, the Services, or our partners and suppliers. We may also disclose your PII to social media companies or to Third-Party Providers (such as when linking your account with a bank, brokerage, digital asset exchange, or other provider) in an encoded (or "hashed") format that can only be recognized if you have an account on such companies' platforms or with such Third-Party Providers. We only disclose your PII to those of our partners, suppliers, or other service providers with appropriate controls for handling and protecting your PII, or otherwise to those Third-Party Providers whom you authorize to make a connection to the Platform or the Services. Except for Third-Party Providers to whom you separately authorize a connection or linked account, we may impose contractual obligations on service providers to ensure they only use your PII in accordance with applicable law as necessary to provide services to us or you.

1.4 Your Geolocation Information

When you access or use the Platform or the Services, we may use cookies to discern your general geolocation information from the IP address associated with your computer or mobile device. We use this information to support general analytics, business, and communications functions, and to help discern your location within or connection to any jurisdiction that might be restricted under the WealthNX.ai Terms of Service. You may stop our collection of your geolocation information only by ceasing use of or access to the Platform or the Services or otherwise by cancelling or terminating your account in accordance with the WealthNX.ai Terms of Service. As described above, unless we have your complete street address, we do not consider your city, state, ZIP code, or general geographic location to be your PII. We also reserve the right to block or restrict your access to the Platform or the Services for any reason (such as on the basis of your IP address or otherwise) or for no reason and may reject any request to register for an account or access or use the Platform or the Services if we are unable to confirm your location.

1.5 Your Responses to Surveys or Emails

We may from time to time administer, or work with a third party to administer, surveys to users of the Platform or the Services, or to visitors of any website or social media profile under our control to aid us in better targeting our ideal online audience, better serve our users, and improve the Platform, the Services, or other related or unrelated products, services, or features. Additionally, if you are receiving emails in connection with your use of or access to the Platform or the Services or other communications from us requesting information in connection with your use of or access to the Platform or the Services, then you may opt out of receiving non-essential or non-administrative communications by selecting "unsubscribe" at the footer of those communications, or by requesting to opt out in writing by delivering an email to WealthNX.ai support at support@wealthnx.ai.

1.6 How Long We Keep Your Information

If you register an account through the Platform, make any payment to us, agree to any recurring subscription for the Platform or the Services, or register for any other related or unrelated product, service, or feature provided by us or any of our partners or suppliers, then we will retain your PII for at least as long as you maintain your account or active registration. If you close all your accounts, subscriptions, or registrations with the Platform and the Services, then we will continue to hold records of your PII for as long as necessary to comply with all applicable laws, regulations, or internal policies. We may additionally hold your PII for so long as necessary to adequately respond to any questions, complaints, or claims made by you, your organization, or someone else on your behalf, and to show that we have treated you fairly. We will not keep your PII for longer than necessary for the purposes identified in this Policy and, at the end of the applicable retention period, will delete or anonymize your information. If you voluntarily publish or submit any of your PII or other information on any public space (such as on any website or social media profile under our control), as part of any Feedback (as that term is defined in Section 1.7 of this Policy), or in any message, forum, publication, broadcast, or screening, then you do so at your own risk, and your information could very well persist online indefinitely if you do not remove that information or specifically ask us to remove it in writing and in accordance with the terms of this Policy.

1.7 Your Participation in Beta Software Testing

If you are accessing or using the Platform or the Services in any beta environment or in connection with any testing, then you shall timely provide feedback, including but not limited to bug reports, disclosure of actual or suspected errors or defects, and written evaluations of new features included as part of any beta software ("Feedback"), to us or to our partners or suppliers via the official channels designated by us. In providing Feedback, you agree to provide material, statistics, written statements, and other data and information that is not considered confidential to you or any company you might represent. All Feedback is exclusively our property and we may use such Feedback for any purpose in our discretion, including but not limited to informing improvements to the Platform or the Services or for use in press releases, public statements, user testimonials, or other business or marketing materials. We will own and retain all right, title, and interest in and to your Feedback, as well as the intellectual property fights in the Platform, the Services, and the underlying beta software (including but not limited to any derivative works thereof), subject only to the limited license expressly set forth in the WealthNX.ai Terms of Service. You do not acquire or retain any other rights, either express or implied or in whole or in part, in the Feedback or the Platform, the Services, or the underlying beta software.

1.8 Contents of Feedback Submitted During Beta Software Testing

You agree that Feedback does not and will not (a) contain or be recompilable into your PII or the PII of any third parties, (b) contain your or your company's original ideas or inventions or be provided to us subject to payment or conditions, (c) once conveyed to us, be considered the property or confidential information of anyone other than us, or (d) be used or distributed to any other persons or entities or for any other purpose except within our sole and absolute discretion. All rights not expressly granted hereunder or under the WealthNX.ai Terms of Service are reserved to us. If you do transmit to us or our partners or suppliers by any means or by any media any materials or other information (including but not limited to PII, ideas, concepts, or techniques for new or improved services and products), whether as Feedback or other information, data, questions, comments, suggestions, or otherwise, then you agree such submissions are unrestricted and will not be considered confidential or proprietary information or PII of any kind, and you accordingly automatically grant us and our assigns a non-exclusive, royalty-free, worldwide, perpetual, irrevocable license, with the right to sublicense, copy, transmit, distribute, create derivative works of, display, or otherwise use such information for any purpose and within our sole and absolute discretion.

2. Cookies

2.1 What Cookies Are

To ensure optimal performance and support your ability to use and access the Platform and the Services, we and our partners or suppliers, as well as other third parties, may install and use cookies. Cookies are small text files generated when you access the Platform or otherwise use or interact with the Services and are used to collect your internet browsing information. All cookies that we use are safe for your device and only process the information stored on your browser. These cookies cannot execute code, do not contain malware or viruses, and cannot be used to access content stored on your device.

2.2 How We Use Cookies

The use of cookies in connection with providing the Platform and the Services are critical or otherwise broadly integral to the performance of the Platform and the Services. We may also use certain non-essential cookies or similar tracking technologies for things like (a) analytics, to understand how you interact with the Services, (b) security, to detect fraud or misuse, and (c) optional purposes, such as personalization or marketing.

2.3 Blocking or Deleting Cookies

If you would like to reject cookies, or if you would like to remove the cookies to which you previously consented, then you can modify your browser settings to block or delete cookies. The means by which you may refuse cookies in your web browser settings could vary depending on the browser or device you use (see e.g., Instructions for Clearing and Managing Cookies in Google Chrome, available at https://support.google.com/chrome/answer/95647). See your web browser's help menu for more information. If you choose to block or refuse any cookies that are essential to core functionality, then the Platform or the Services could become inaccessible, render them inoperable, or otherwise materially affect or hinder their performance.

3. Information Collected Through Other Technologies

3.1 Web Beacons

From time to time, we may use other tracking technologies similar to cookies called "web beacons" (or "tracking pixels" or "clear gifs") to monitor traffic patterns on the Platform or between various features associated with the Services and to deliver or communicate with cookies. Web beacons are small graphics that display a unique identifier that allow us to recognize when someone has visited the Platform or opened an email from us. Web beacons help us to improve the performance of the Platform and the Services and understand whether any particular visit to the Platform is directed from certain external sources, like from a publication displayed on a third-party platform application or website or an email announcement or other content distribution. Web beacons are largely reliant on cookies to function properly, so blocking or rejecting cookies can impair web beacon functionality and, in turn, the performance or efficiency of the Platform or the Services.

3.2 Local Shared Objects

From time to time, we may use "Flash cookies" (also known as "local shared objects" or "LSOs") to collect and store information about your use of the Platform and the Services, and to prevent fraud, support other operations, and more. Flash cookies are stored locally on your device and interact with your Adobe Flash Player, which is typically installed as a widget or add-on to your web browser. The Platform might use Flash cookies to support the functionality of some Flash applications that could be used in connection with the Platform, the Services, or other online content. If you do not want us to use Flash cookies on your device, then you can adjust your Flash Player settings to block Flash cookie storage. You can also use your Flash Player's global storage settings panel to prevent Flash cookies from being placed on your computer without your explicit opt-in, or to block them unless being delivered by a website or webpage you are accessing at any given time. For more information about accessing and using your Flash Player settings manager, read the Adobe Help Page at macromedia.com/support/documentation/en/flashplayer/help/settings_manager.html.

3.3 Targeted Advertising

Third-party companies may use web beacons or other technologies in connection with your use of your device to send or display advertisements to you, but we do not enable targeted advertising on, through, or in connection with the Platform or the Services.

4. Important Restrictions

4.1 Geography

Use of and access to the Platform and the Services is restricted to persons and entities domiciled within one of the 50 states of the United States or the District of Columbia. If you are located in any non-U.S. jurisdiction or in any U.S. territory or possession, then you must not visit, access, or use the Platform or the Services or register an account with us, and you must not use a VPN or deploy any other methods to obscure your geographic location in an attempt to circumvent geographic-based restrictions or controls we might impose in connection with the Platform or the Services. If you are located or domiciled in any of the following U.S. states, see Section 5 of this Policy for additional disclosures about your rights and our collection and use of your personal information under applicable state laws: California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Jersey, New Hampshire, Oregon, Rhode Island, Tennessee, Texas, Utah, or Virginia.

4.2 Children's Privacy

The Platform and the Services are directed to a specific audience but not at children under the age of 18. We do not knowingly collect or solicit personal information from any person under the age of 18 or knowingly allow them to use or interact with the Platform or the Services. If you are under 18, you must not visit, access, or use the Platform or the Services, register an account with us, or participate in or attend any forum, discussion, or event in connection we might host, whether or not hosted in connection with the Platform or the Services. If we obtain actual knowledge that the personal information of a child under age 18 was or is being collected through the Platform or the Services, then we will delete that information as quickly as possible. If you believe we might have collected any information from or about a child under 18, then please contact us immediately by email at contact@wealthnx.ai.

5. Supplemental Privacy Notices

5.1 California Residents

Under the California Consumer Privacy Act (CCPA) and as used in this Subsection 5.1 of this Policy, "Personal Information" means information that identifies, relates to, or describes a particular consumer or household, or that is reasonably capable of being associated with or could be reasonably linked to, directly or indirectly, a particular consumer or household. Personal Information does not include any of the following: (a) publicly available information from government records; (b) aggregated or anonymized data that is not capable of being associated with you; (c) information related to job applicants, attorneys, employees, contractors, or other personnel; (d) certain information that we may process solely on behalf of our clients; and (e) information covered by certain applicable sector-specific state or federal privacy laws, including the U.S. Fair Credit Reporting Act, the U.S. Gramm-Leach-Bliley Act, the U.S. Health Insurance Portability and Accountability Act of 1996, the U.S. Driver's Privacy Protection Act of 1994, and the California Financial Information Privacy Act.

The Personal Information that we may collect includes (1) individual identifiers (like names, street addresses, email addresses, and other similar information), (2) California customer records (including records identifying you, such as by your name, personal physical characteristics signature, telephone number, passport or other government identification number, education or employment history, and credit or other financial history), (3) other professional records (like business and employment records or other professional information, such as your current occupation, job title, employer, and industry), (4) commercial information (including information about your or your organization's commercial activities), (5) other personal information (such as Personal Information that might be identified as part of any question, request, offer, solicitation, or other communication you make to us via our websites or the Platform, through social media, or any other means of public communication, which could potentially be gathered from public sources), (6) cookies and other network information (including information generated from your use of the Platform or the Services on browser and internet use, such as analytics data on your activity, which we may be collected from your browser or device through the use of cookies), (7) geolocation information (such as based on log data collected from your browser or device), and (8) sensory information (including any notes, document files, recordings, or other data submitted as inputs when using the Platform or the Services).

In the last 12 months, we have only used the above categories of Personal Information for the uses identified in this Policy and have not sold any Personal Information about you but may have disclosed Personal Information of any of the above categories to our partners or suppliers for a professional business purpose. Although we never "sell" your Personal Information, we may occasionally disclose your Personal Information to certain of our partners or suppliers for business purposes as necessary to (i) assess and improve the Platform or the Services or (ii) detect, stop, and report fraudulent activities.

As a California resident, you could be eligible to exercise any of the following rights in relation to the Personal Information that we collect, subject to certain limitations under applicable law:

5.2 Residents of Other Applicable U.S. States

As used in this Subsection 5.2 of this Policy or otherwise materially comparable to some other statutorily defined term or phrase under the consumer privacy or data protection laws of various certain other states (including Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Jersey, New Hampshire, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia), "Personal Data" means information that is linked or reasonably linkable to an identified or identifiable natural person, but it does not include aggregated or "de-identified" data or publicly available information. Personal Data also does not include (a) information related to job applicants, employees, contractors, or other of our personnel or those of our partners or suppliers, (b) certain information that we may process solely on behalf of our partners or suppliers, or (c) information covered by certain applicable sector-specific state or federal privacy laws, including the U.S. Fair Credit Reporting Act, the U.S. Gramm-Leach-Bliley Act, the U.S. Health Insurance Portability and Accountability Act of 1996, and the U.S. Driver's Privacy Protection Act of 1994.

The Personal Data that we may collect includes (1) individual identifiers (like names, street addresses, email addresses, and other similar information), (2) professional records (like business and employment records or other professional information, such as your current occupation, job title, employer, and industry), (3) commercial information (including information about your or your organization's commercial activities), (4) internet and other network-related information (including information generated from your use of the Platform or the Services on browser and internet use, such as analytics data on your activity, which we may be collected from your browser or device through the use of cookies), (5) geolocation information (such as based on log data collected from your browser or device), (6) sensory information (including any notes, document files, recordings, or other data submitted as inputs when using the Platform or the Services), and (7) inferential information (such as inference-based data drawn from any of the above categories of information, such as preferences or other consumer characteristics.

In the last 12 months, we have only used the above categories of Personal Data for the uses identified in this Policy and have not sold any Personal Data about you but may have disclosed Personal Data of any of the above categories to our partners or suppliers for a professional business purpose.

As a resident of any state covered by this Subsection 5.2 of this Policy, you could be eligible to exercise any of the following rights in relation to the Personal Data we collect, subject to certain limitations under applicable law and only if and as available under the state's applicable consumer privacy or data protection statutes:

5.3 Exercising Your State-Specific Rights

To exercise any rights afforded to you in the state where you are domiciled and in connection with Subsection 5.1 or 5.2 of this Policy, please submit a written request to us by emailing contact@wealthnx.ai with the subject "<insert your state> Rights Request. In your email, be as specific as possible identifying each of the categories or specific pieces of Personal Data or Personal Information relevant to your request. We will likely need to verify your identity before it may process your request, such as by requiring you to log into your account or matching sufficient information provided by you with the information maintained in our systems (which could necessitate requesting additional Personal Data or Personal Information from you). We may in certain circumstances deny your request, particularly if we are unable to verify your identity, of which we will notify you in an email or other form of electronic communication.