Privacy Policy for NestEgg

Last Updated: March 11, 2026

Introduction

NestEgg ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application (the "App"). Please read this privacy policy carefully.

Information We Collect

Personal Information

We collect the following personal information that you provide to us:

• Name: First and last name for account identification and personalization
• Email Address: For account creation, authentication, and communication
• Date of Birth: For age verification and account setup
• Address: For compliance with financial regulations and account setup
• Phone Number: For account verification and communication
• Social Security Number (SSN): Required for creating custodial investment accounts (stored securely and encrypted)

Financial Information

To provide investment services, we collect:

• Bank Account Information: Through our third-party partner Plaid, including account numbers, routing numbers, and balances
• External Investment Account Information: If you choose to link investment accounts you hold elsewhere (such as Robinhood, Charles Schwab, Fidelity, Acorns, or Wealthfront) through Plaid, including account balances and holdings. This access is read-only and is used solely to display your holdings and calculate your total net worth within the App
• Investment Account Details: Account balances, transactions, holdings, and performance data
• Transaction History: Records of deposits, withdrawals, and investments
• Income Information: Annual income ranges for regulatory compliance

Automatically Collected Information

When you use the App, we automatically collect:

• Device Information: Device type, operating system, unique device identifiers
• Usage Data: App features used, time spent in the app, interaction patterns
• Log Data: Error logs, crash reports, and diagnostic information

How We Use Your Information

We use your information to:

1. Provide Services:

   • Create and manage your investment accounts
   • Process deposits, withdrawals, and investments
   • Link your bank accounts securely
   • Link external investment accounts (read-only) to display your combined holdings and total net worth
   • Display your portfolio performance and balances

2. Comply with Legal Obligations:

   • Verify your identity (KYC - Know Your Customer)
   • Comply with financial regulations and reporting requirements
   • Prevent fraud and unauthorized access

3. Improve Our Services:

   • Analyze app usage to improve features
   • Fix bugs and technical issues
   • Develop new features based on user needs

4. Communicate with You:

   • Send account notifications and updates
   • Provide customer support
   • Send important service announcements

How We Share Your Information

We share your information only in the following circumstances:

Third-Party Service Providers

We work with trusted third-party partners to provide our services:

• Plaid: Securely connects your bank accounts and any external investment accounts you choose to link. Your login credentials are handled by Plaid and are never shared with NestEgg. Access to linked external investment accounts is read-only. Plaid Privacy Policy
• Alpaca Markets: Provides brokerage services for investment accounts. Alpaca Privacy Policy
• Supabase: Provides authentication and database services. Supabase Privacy Policy

These partners are contractually obligated to protect your information and use it only for the purposes we specify.

Legal Requirements

We may disclose your information if required by law, such as:

• In response to a court order or subpoena
• To comply with regulatory requirements
• To protect our rights, property, or safety
• To prevent fraud or illegal activity

Business Transfers

If NestEgg is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

Data Security

We take the security of your information seriously and implement industry-standard measures:

• Encryption: All sensitive data is encrypted in transit (TLS/SSL) and at rest
• Secure Storage: SSNs and financial data are stored in encrypted format
• Access Controls: Limited employee access to personal information
• Regular Audits: Security practices are regularly reviewed and updated
• Third-Party Security: Our partners (Plaid, Alpaca, Supabase) maintain SOC 2 compliance

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

Data Retention

We retain your information for as long as:

• Your account is active
• Required by law (typically 7 years for financial records)
• Necessary to provide services or resolve disputes

When you close your account, we will delete or anonymize your personal information within 90 days, except where retention is required by law.

Your Rights and Choices

You have the following rights regarding your information:

Access and Correction

• View your personal information in the app settings
• Update your profile information at any time
• Request a copy of your data by contacting us

Deletion

• Delete your account and associated data through the app settings
• Remove a linked external investment account at any time, which deletes the holdings we stored for it
• Request deletion by contacting us at support@nesteggapp.com

Opt-Out

• Unsubscribe from marketing emails (service emails cannot be disabled)
• Disable push notifications in your device settings

Data Portability

• Request a copy of your data in a portable format

Children's Privacy

Our App is designed for parents and guardians to create custodial investment accounts for their children. We do not knowingly collect personal information directly from children under 13. All accounts are managed by parents or legal guardians.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information (we do not sell your information)
• Right to deletion of personal information
• Right to non-discrimination for exercising your rights

To exercise these rights, contact us at support@nesteggapp.com.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the new Privacy Policy in the app
• Sending an email notification
• Displaying a prominent notice in the app

Your continued use of the App after changes constitutes acceptance of the updated Privacy Policy.

Contact Us

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

Email: support@nesteggapp.com
Website: https://nesteggapp.com

Third-Party Links

Our App may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies.

International Users

Our services are provided from the United States. If you are accessing the App from outside the United States, your information will be transferred to, stored, and processed in the United States.

Consent

By using the NestEgg app, you consent to the collection, use, and sharing of your information as described in this Privacy Policy.

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NestEgg Advisors
Helping families invest in their children's future.