Last updated July 10, 2026

Privacy Policy

Riki is a product of Upward Wealth, Inc. In this policy, “Riki,” “we,” and “us” refer to Upward Wealth, Inc. This policy explains how we handle information when you visit meetriki.com, use the Riki browser workspace, or contact our team.

Information you give us

We collect the information you choose to provide, including your name, email address, verified mobile number, sign-in information, date of birth, address, housing status and payment, veteran or service-member status, financial goals, goal details, support messages, and lending-inquiry details. If a feature separately asks for a tax identification number, Social Security number, or credit-related information, we collect it only when you provide it or authorize that feature.

Riki uses your email and password to create or locate your account. A verified mobile number and one-time text codes help protect browser access; phone-only sign-in is not offered. Standard message and data rates may apply. We also keep the profile and goal changes you save so you can return to them later.

Optional connected financial information

Connecting a financial institution is optional. If you choose to connect through MX, the connection takes place inside MX's secure flow rather than a bank-credential form on the Riki page. Riki may then receive institution and account identifiers, account names and types, masked account details, balances, transactions, categories, recurring-activity indicators, and available transaction history. We use that information to show cash flow activity, identify patterns, and prepare or update a Riki report.

Some institutions can provide extended transaction history. That history may take several minutes or longer to arrive, and Riki may begin with the information already available. A report can therefore change as additional history arrives or an account is included, excluded, or disconnected.

Riki reports, goals, and Ask Riki

We use saved profile information, goals, goal details, and connected-account data to create cash flow summaries, insights, estimates, and Riki reports. These outputs may include available months of data, income and spending patterns, payment signals, a Riki score, and illustrative borrowing ranges.

Ask Riki is an AI-supported feature. When you use it, we process your messages and may provide our AI service provider with relevant parts of your profile, goals, connected-account activity, credit-range information if available, Riki report, and recent conversation context so it can generate a response. Conversations are saved in your Riki history unless you delete them. Please do not enter bank passwords, one-time codes, full account numbers, or other secrets in Ask Riki.

How we use information

We use information to provide and secure your account; verify sign-in; remember your choices; connect the institutions you select; prepare reports and insights; personalize goals and Ask Riki; save private inquiry drafts; run matching when you ask us to; provide support; troubleshoot and improve Riki; prevent misuse; and meet legal, security, accounting, and recordkeeping obligations.

Analytics and browser storage

Riki uses necessary cookies and browser storage for secure sessions, verification progress, account-connection progress, and your analytics choice. If a Google Analytics measurement ID is configured, Google Analytics loads only after you choose “Allow analytics.” It may receive page, browser, device, and general usage information; Riki configures it to anonymize IP addresses. Choosing “Only necessary” prevents that analytics script from loading. You can clear this saved choice through your browser's site-data controls.

When information is shared

We share information with providers that help us operate Riki, such as hosting, security, authentication, text-message, financial-data, support, and AI service providers. MX and the financial institutions you choose process information under their own terms and privacy notices. If you allow analytics, Google processes the analytics information described above under its own policies.

We may also disclose information when reasonably necessary to comply with law, respond to valid legal process, protect people or the service, investigate misuse, or complete a corporate transaction. If ownership or control of Riki changes, information may be transferred as part of that transaction subject to applicable law and any notice we provide.

Lending inquiries and your authorization

Saving an inquiry draft does not share it with a lender. Submitting an inquiry asks Riki to look for possible matches; it is not a loan application, approval, or commitment to lend. Before Riki shares an inquiry with a named lender, the browser experience shows the categories to be shared and asks you to authorize that specific handoff.

If you authorize the handoff, Riki may share the categories shown at confirmation, including identity and contact details, date of birth, address, inquiry details, available Riki and credit information, connected-account cash flow summaries, and any tax identification number or Social Security number previously provided to Riki. The lender then handles that information under its own privacy notice, retention rules, and review process. Deleting your Riki account does not direct a lender to delete information already shared with it.

Your connected-account choices

Excluding an account keeps its institution connected and leaves the underlying data available, but tells Riki to leave that account out of future analysis. Excluding an account does not stop future institution refreshes or erase information already collected. Disconnecting an institution removes the connection from your Riki workspace and stops future refreshes; it does not close your bank account or, by itself, delete past Riki reports, conversations, or inquiry records.

Retention and account deletion

We keep information while your account is active and as needed for the purposes described in this policy. You can delete an individual Ask Riki conversation from conversation history. You can also request account deletion from Profile. If you want institution refreshes to stop first, disconnect each institution before making the deletion request.

The current account-deletion process ends access to the workspace, asks MX to remove the connected-data user, removes Riki connection records, reports, goal selections, and saved conversations, and removes direct profile fields from the Riki user record. It keeps a deletion marker. Some technical authentication records, application-event records, and loan-inquiry records may remain for security, business accounting, dispute resolution, or legal recordkeeping. Information already shared with a lender or another independent third party is subject to that party's retention practices.

Your choices and requests

You can update profile and goal information in the workspace, include or exclude connected accounts, disconnect institutions, delete Ask Riki conversations, decline optional analytics, and request account deletion. Depending on where you live, you may also have legal rights to ask about, access, correct, or delete personal information, or to receive a portable copy. We may need to verify your identity before completing a request. Email hello@meetriki.com for help.

Security

We use administrative, technical, and organizational safeguards designed to protect information. Riki uses one-time text verification for browser access, and bank sign-in takes place in MX's connection flow. No online service or storage method is completely secure, so please protect your password and verification codes and let us know if you believe someone accessed your account without permission.

Children

Riki is not directed to children under 13, and we do not knowingly collect personal information from a child under 13. If you believe a child provided information to Riki, please contact us so we can review the situation.

Changes to this policy

We may update this policy as Riki changes. We will post the revised policy here and update the date above. If a change requires additional notice or consent under applicable law, we will provide it before the change applies.

Contact us

Questions or privacy requests can be sent to hello@meetriki.com.