Legal

Privacy Policy

Last updated: February 5, 2026

1. Information We Collect

Information You Provide

We may collect information you provide directly to us, including:

  • Name
  • Email address
  • Account credentials
  • Contact details
  • Information you submit through forms or communications

Financial and Account Information

If you choose to connect a financial account through our Services, we may receive financial data via third-party providers such as Plaid. This may include:

  • Account identifiers
  • Account balances
  • Transaction data
  • Institution information

Virtulum does not collect or store your bank login credentials.

Automatically Collected Information

We may automatically collect certain information when you use the Services, including:

  • IP address
  • Device and browser information
  • Log and usage data
  • Cookies or similar technologies

2. How We Use Information

We use the information we collect to:

  • Provide, operate, and maintain the Services
  • Authenticate users and secure accounts
  • Process and display financial or operational data you request
  • Improve functionality, performance, and user experience
  • Communicate with you about your account or the Services
  • Comply with legal and regulatory obligations

3. Third-Party Services and Sharing

We may share information with trusted third-party service providers that help us operate the Services, including:

  • Hosting and infrastructure providers
  • Authentication providers
  • Analytics and monitoring tools
  • Financial data providers such as Plaid

These providers may access information only as necessary to perform services on our behalf and are required to protect it.

We do not sell personal data.

4. Plaid Disclosure

Virtulum uses Plaid Inc. (“Plaid”) to enable secure connections to financial institutions. When you connect your financial account, Plaid may collect and process your information in accordance with Plaid’s Privacy Policy.

You can learn more about how Plaid handles data at:
https://plaid.com/legal/

5. Data Security

We implement reasonable administrative, technical, and organizational safeguards to protect information, including:

  • Encryption of data in transit using TLS
  • Encryption of data at rest via managed infrastructure
  • Access controls and authentication measures
  • Monitoring and logging of system activity

No method of transmission or storage is completely secure, but we strive to protect your information using industry-standard practices.

6. Data Retention

We retain personal and financial information only for as long as necessary to:

  • provide the Services
  • comply with legal obligations
  • resolve disputes
  • enforce agreements

Data may be deleted or anonymized when no longer required.

7. Your Rights and Choices

Depending on your location, you may have rights to:

  • access your personal information
  • request correction or deletion
  • withdraw consent where applicable

You may exercise these rights by contacting us using the details below.

8. Children’s Privacy

Virtulum is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from children.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be reflected by updating the “Last updated” date. Continued use of the Services after changes constitutes acceptance of the updated policy.

10. Contact Us

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

Email: privacy@virtulum.com

Company: Virtulum