Nova Wealth Path Platform

This Privacy Policy applies specifically to the Nova Wealth Path SaaS platform:

Nova Wealth Path - Financial Management SaaS Platform
Operated by: Nova Wealth Creations, LLC
1832 Kempsville Rd, Ste 112 # 1317
Virginia Beach, VA 23464
Platform Support: support@novawealthpath.com
Phone: (757) 276-1752

Information We Collect for SaaS Platform

Account and Profile Information

• Registration Data: Name, email address, password, profile preferences
• Subscription Information: Billing address, payment method, subscription tier
• Platform Settings: Dashboard preferences, notification settings, feature configurations
• Authentication Data: Login credentials, session tokens, security preferences

Financial Data You Provide

You control what financial data you input into the platform. We only process the information you choose to provide.

• Financial Goals: Budget targets, savings goals, investment objectives
• Account Information: Bank account names, balances, transaction categories (if you choose to connect)
• Budget Data: Income, expenses, spending categories, financial plans
• Investment Tracking: Portfolio information, asset allocations, performance metrics

Platform Usage Data

• Feature Usage: Which tools and features you use, frequency of access
• Session Data: Login times, session duration, platform navigation patterns
• Performance Data: Page load times, error logs, system performance metrics
• Device Information: Browser type, device type, IP address, operating system

How We Use Your Information

Platform Service Delivery

• Provide access to your financial management dashboard
• Process and store your financial data securely
• Generate reports, charts, and financial insights
• Sync data across your devices and sessions
• Provide customer support and technical assistance

Subscription Management

• Process subscription payments and billing
• Manage tier upgrades and downgrades
• Send billing notifications and receipts
• Handle subscription cancellations and refunds

Platform Improvement

• Analyze usage patterns to enhance user experience
• Develop new features based on user needs
• Optimize platform performance and reliability
• Conduct security monitoring and threat detection

Communication

• Send service-related notifications and updates
• Provide platform feature announcements
• Respond to support requests and inquiries
• Send optional educational content (with consent)

SaaS Platform Data Security

We implement bank-level security measures to protect your financial data.

Data Protection

• AES-256 encryption for data at rest
• TLS 1.3 encryption for data in transit
• Secure cloud infrastructure (AWS/Azure)
• Regular security audits and penetration testing
• Multi-factor authentication support

Access Controls

• Role-based access controls
• Employee background checks and training
• Principle of least privilege access
• Regular access reviews and audits
• Secure development practices

Subscription and Billing Privacy

Payment Processing

• Payment processing handled by PCI-compliant third-party providers
• We do not store complete credit card numbers on our servers
• Billing information encrypted and securely stored
• Transaction records maintained for accounting and tax purposes

Subscription Data Usage

• Subscription tier determines feature access and data limits
• Usage metrics help us optimize platform performance
• Billing history available in your account dashboard
• Cancellation data helps us improve service retention

Your Privacy Rights

Data Export

Export your financial data in standard formats (CSV, JSON) from your dashboard

Account Management

Update, correct, or delete your account information through platform settings

Data Deletion

Request complete account and data deletion (subject to legal retention requirements)

Communication Preferences

Control notification settings and marketing communications in your account

Platform Support:
Email: support@novawealthpath.com
Response time: Within 24 hours for privacy requests

Data Retention

SaaS Platform Retention Periods:

• Active subscription data: Duration of subscription plus 30 days
• Financial data: Deleted within 90 days of account closure
• Billing records: 7 years for tax and regulatory compliance
• Usage analytics: Aggregated data retained indefinitely (de-identified)
• Support communications: 3 years from last interaction

Your Control: You can delete your financial data at any time through your account settings. Account closure will trigger automatic data deletion according to the schedule above.

Geographic Access Restrictions

Platform Access Control

Our SaaS platform uses automated geographic detection to verify user location. Users attempting to access Nova Wealth Path from outside the United States will be automatically redirected to an access restriction notice.

Service Scope

This restriction applies to all Nova Wealth Path platform features including:

• Financial management dashboard access
• Account creation and user registration
• Subscription services and billing features
• All integrated platform tools and analytics

Data Processing Implications

Geographic restrictions ensure that all user data is processed within US jurisdiction, maintaining compliance with our data protection standards and regulatory requirements. This restriction is part of our comprehensive approach to data sovereignty and privacy protection.

Cookie Details

We use the following cookies on our platform:

Cookie Name	Category	Purpose	Duration	Set By	Can You Disable?
sb-*-auth-token	Essential	User authentication and session management	Session	Supabase	❌ No (required)
_ga	Analytics	Unique user identification for usage analytics	2 years	Google Analytics	✅ Yes
_gid	Analytics	Session identification for analytics	24 hours	Google Analytics	✅ Yes
_gat	Analytics	Request throttling to prevent server overload	1 minute	Google Analytics	✅ Yes
_ga_*	Analytics	Property-specific analytics container	2 years	Google Analytics	✅ Yes
theme-mode	Preferences	Dark/light mode preference	1 year	Platform UI	✅ Yes
sidebar-state	Preferences	Sidebar open/closed state	1 year	Platform UI	✅ Yes
download_complete_*	Essential	PDF download tracking	Session	Platform	❌ No (required)
cookie-consent	Essential	Cookie consent record	1 year	Consent System	❌ No (required)

Managing Your Cookie Preferences

You have multiple options to control cookies:

Cookie Preferences Tool (Recommended):

• Click "Cookie Preferences" link in the footer of any page
• Toggle individual cookie categories on/off
• Changes apply immediately and are logged for compliance

Browser Settings:

• Most browsers allow you to block or delete cookies
• Note: Blocking essential cookies will prevent login and core functionality

Opt-Out of Analytics:

• Reject non-essential cookies when the banner first appears
• Or use the Cookie Preferences tool to disable Analytics category anytime

US State Privacy Rights

For All US Residents

Under various US state privacy laws, you may have the following rights:

Right to Know: Request disclosure of what personal information we collect

Right to Access: Request a copy of your personal information

Right to Delete: Request deletion of your personal information (subject to legal obligations)

Right to Opt-Out: Opt out of the "sale" of personal information (Note: We do not sell personal information)

Right to Opt-Out of Targeted Advertising: Manage cookie preferences to opt out of analytics tracking

Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights

State-Specific Rights

California Residents (CCPA/CPRA):

• Right to know what personal information is collected
• Right to opt-out of sale of personal information (we do not sell)
• Right to request deletion of personal information
• Right to non-discrimination for exercising rights

Virginia Residents (VCDPA):

• Right to access, correct, delete, and obtain a copy of personal data
• Right to opt-out of targeted advertising and profiling
• Right to appeal our decision regarding your request

Colorado, Connecticut, Utah, Montana, Oregon, Texas, Iowa Residents:

• Similar rights to Virginia residents under respective state laws
• Right to opt-out of targeted advertising
• Right to access and delete personal information

How to Exercise Your Rights

Submit a Request:

• Email: support@novawealthpath.com
• Phone: (757) 276-1752
• Include: Your name, email, state of residence, and specific request

Response Time: We will respond within 30-45 days (as required by applicable law)

Verification: We may require identity verification to protect your privacy

No Fee: Requests are free (first request per year)

Consent Audit Trail

We maintain detailed logs of all cookie consent decisions for compliance purposes:

• Timestamp of consent
• Type of consent given (Accept All, Reject All, or Customize)
• Specific categories enabled
• IP address (anonymized after 90 days)

You can request a copy of your consent history by contacting us at support@novawealthpath.com.

Contact Us

For questions about this Privacy Policy or Nova Wealth Path platform privacy:

Platform Support
support@novawealthpath.com

Phone Support
(757) 276-1752

Business Address
Nova Wealth Creations, LLC
1832 Kempsville Rd, Ste 112 # 1317
Virginia Beach, VA 23464