NorthReserve ("NorthReserve," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, and protect information when you use the NorthReserve website, mobile application, Financial Mountain Assessment, and related services.
NorthReserve is designed to help users visualize their financial situation and identify potential next financial steps. NorthReserve is not a bank, investment adviser, financial institution, or financial planning service.
By using NorthReserve, you acknowledge the practices described in this Privacy Policy.
We aim to collect only information reasonably necessary to provide and improve NorthReserve.
Depending on how you use NorthReserve, you may voluntarily provide information such as:
We do not ask users to provide bank account passwords, credit card numbers, Social Security numbers, or bank login credentials through NorthReserve.
NorthReserve may process information that you voluntarily enter into the application or assessment for the purpose of generating your Financial Mountain and recommendations. We intend to minimize the collection of financial information and use it primarily to calculate and visualize financial conditions and priorities.
Do not enter passwords, bank login credentials, Social Security numbers, credit card numbers, or other highly sensitive authentication information into NorthReserve.
When you use the NorthReserve website or application, certain technical and usage information may be collected automatically. This may include:
We use analytics services, including Google Analytics and Firebase Analytics, to understand how users interact with NorthReserve and improve the product. Firebase Analytics supports collection of events describing user actions and user properties used for behavioral analysis.
We may use information to:
NorthReserve uses analytics technologies, including Google Analytics and Firebase Analytics, to understand how people use our website and application. For example, we may measure events such as:
These analytics help us understand whether NorthReserve is successfully translating financial information into understandable and actionable experiences. We do not intend to use analytics to collect bank passwords, banking credentials, Social Security numbers, or other unnecessary financial authentication information.
NorthReserve may assign users an internal identifier to help us understand activity across the application — for example, an internal identifier in a format such as NR26229-1. These identifiers are intended to help us distinguish users and analyze application behavior. We aim to avoid unnecessarily associating analytics identifiers with sensitive financial information.
If you voluntarily provide your email address, NorthReserve may use it to provide requested information, send assessment-related communications, provide early-access or product updates, send educational content, communicate about NorthReserve, and ask for voluntary feedback. We may use third-party email and automation providers to deliver these communications. You may unsubscribe from marketing or educational communications using the unsubscribe mechanism provided in the email.
NorthReserve may use third-party service providers to operate, analyze, market, and improve the service, including providers for website hosting, analytics, email delivery, marketing automation, application infrastructure, affiliate tracking, and (if applicable in the future) payment or subscription processing.
These providers may process information according to their own privacy policies and the services they provide to us. We currently use or may use services including Google Analytics, Firebase, Make, MailerLite, Netlify, and affiliate networks or financial-service partners. We will update this Privacy Policy as our technology providers change.
NorthReserve may provide links to financial products and services offered by third parties. These may include products or services related to checking accounts, savings accounts, high-yield savings accounts, certificates of deposit, health savings accounts, retirement accounts, brokerage accounts, financial planning, budgeting, insurance, and other financial products.
Some links may be affiliate links. This means NorthReserve may receive compensation if a user clicks a link or completes a qualifying action with a third-party provider. Affiliate relationships do not change the price you pay for the product unless otherwise disclosed. NorthReserve does not control the products, services, fees, terms, privacy practices, or security practices of third-party financial providers. You should review the terms and privacy policies of any third-party service before providing information or opening an account.
NorthReserve is intended to provide financial visualization, educational information, and potential next steps. NorthReserve does not provide individualized investment, tax, legal, accounting, or financial advice.
Recommendations and affiliate offers presented through NorthReserve are intended to help users explore potential financial options. You are responsible for evaluating whether a financial product or action is appropriate for your circumstances. Consider consulting a qualified financial, tax, legal, or other professional before making significant financial decisions.
We may share information with service providers that help us operate NorthReserve, such as analytics, hosting, email, automation, application infrastructure, and affiliate technology providers. We may also disclose information when reasonably necessary to:
We do not intend to sell users' personal financial information.
We may analyze information in aggregated or de-identified form — for example, a pattern such as "users with an underfunded emergency reservoir were more likely to interact with emergency-fund recommendations." We may use aggregated or de-identified information to improve NorthReserve, conduct research, develop educational content, understand financial behavior patterns, measure product effectiveness, and communicate general insights. We will not intentionally publish information designed to identify a specific individual as part of such analyses.
We take reasonable administrative, technical, and organizational measures designed to protect information from unauthorized access, use, alteration, or disclosure. However, no internet transmission, software application, or electronic storage system can be guaranteed to be completely secure. You should never provide NorthReserve with passwords, banking credentials, Social Security numbers, or other authentication information.
We retain information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including providing and improving NorthReserve, maintaining records, complying with legal obligations, resolving disputes, and enforcing agreements. Retention periods may vary depending on the type of information and the purpose for which it was collected. We may retain aggregated or de-identified information for longer periods where it cannot reasonably be used to identify an individual.
Depending on the information and circumstances, you may have choices regarding your information. You may:
If you have created an account and NorthReserve provides account deletion functionality, you may use the available account deletion process. For privacy requests, contact us using the information below.
NorthReserve is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us so that we can take appropriate steps.
NorthReserve may contain links to websites and services operated by third parties. Those websites have their own privacy policies and terms. NorthReserve is not responsible for the privacy practices, security, content, or policies of third-party websites. This is particularly important when following affiliate links to financial institutions or other financial-service providers.
We may update this Privacy Policy from time to time as NorthReserve develops or our data practices change. When we make changes, we will update the "Last updated" date at the top of this policy. We encourage users to periodically review this page.
If you have questions about this Privacy Policy, our data practices, or your personal information, please contact us:
NorthReserve LLC
702 South Main Street #102, Salt Lake City, UT 84101
Website: northreserve.org
Email: hello@northreserve.org
Phone: (801) 996-4233