Privacy Policy

Journey helps you understand and manage your compensation, benefits, and equity. Most people use Journey through their employer, which pays for the service under a separate agreement. This policy explains what information Journey collects, how we use it, who receives it, and the choices you have. It covers our websites and our products, including JIVA, our AI agent.

If your employer provides Journey to you, we handle some information on your employer’s behalf under our agreement with them — generally, the information your employer provides. Information you add personally is Journey’s responsibility, handled as described in this policy.

Information we collect

From your employer and its systems. When your employer connects Journey to its HR, payroll, benefits, or equity systems, we receive information such as your employment details, salary and bonus, equity grants and vesting, benefits eligibility and elections, and retirement plan data.

From you. Your account details, information you submit through forms or when you contact us, the questions you ask JIVA, documents you upload, household or dependent information you choose to add, your goals, financial accounts you choose to connect, and, if you use voice features, the audio you provide. If you purchase or administer a paid service, we may receive billing and transaction information from our payment provider.

Connected financial accounts. If you connect a bank, investment, or loan account, we use financial data providers such as Plaid, MX, and Finicity, a Mastercard company, to link it. You can also connect your own equity accounts, such as Carta. Journey receives read-only account, transaction, investment, liability, and equity data. We never receive your account credentials, and Journey cannot move money or transact through these connections. Anything you connect personally — including equity from previous employers — is personal-side information under “What your employer can and cannot see” below.

Automatically. Device information, log data, and usage information, including through cookies and similar technologies on our sites.

How we use information

We use your information to operate Journey: to answer your questions, generate explanations and comparisons, surface deadlines, personalize what you see, provide support, secure the service, improve it, and comply with law.

AI processing. Journey uses third-party AI model providers to generate outputs. These providers process your data to deliver the service and are contractually restricted from using it for other purposes. We do not permit our AI providers to train their models on your data.

We do not sell your personal information.

Who receives information

Service providers. Companies that help us run Journey — hosting, authentication, data integrations, AI model providers, payments, email delivery, analytics, error monitoring, workflow tooling, and support — under contracts limiting their use of your data. A full list is on our Subprocessors page.

Your employer. Only as described in the next section.

Professionals. If you engage an expert through Journey, we share what is needed for them to help you, and their handling of your information is subject to their professional obligations.

Legal and corporate. When required by law or legal process, to protect rights and safety, or in connection with a corporate transaction, subject to this policy.

What your employer can and cannot see

This is the most important promise in this policy, so we want it to be precise.

Your employer can see what it already has: the information it provides to Journey — your compensation, your equity from that employer, your benefits — and anything you choose to send it through Journey, like reporting a qualifying life event to change your health plan. Nothing you report is transmitted to your employer unless you explicitly submit it.

Information you add personally — connected financial accounts, your questions to JIVA, personal goals, household details — is not shared with your employer. Your employer cannot access, view, or recover your account: it belongs to you, and it is anchored to your personal email when you use Journey’s personal features. We may disclose information where required by law.

Your employer may receive aggregated or de-identified usage and engagement insights that are designed not to identify individual employees. These insights may describe feature adoption or engagement, but never include the contents or values of your personal-side information — your connected financial accounts, your questions to JIVA, your personal goals, or your household details.

When you leave your employer

Your Journey account belongs to you, not your employer, and your employer can never access or recover it. If your employer’s sponsorship ends, you can keep using Journey with a personal account: your personal data and your own records stay with you.

Retention

We keep information for as long as needed to provide the service, meet legal and tax obligations, and resolve disputes, then delete or de-identify it.

Your rights and choices

You can access and correct your information, disconnect a linked financial account at any time, and ask us to delete a connected account’s data or your Journey account and personal data. You can also opt out of marketing email.

Disconnecting an account, or revoking Journey’s access through the data provider or your bank, stops Journey from retrieving new data from that institution. Information already imported stays in your account, which you can maintain manually, until you ask us to delete it.

For information your employer provides, we may need to act on your employer’s instructions or direct your request to your employer. Depending on where you live, you may have additional rights under applicable privacy laws; contact us to exercise them.

Security

We use encryption, access controls, and monitoring to protect your information. More detail is on our Security page. No system is perfectly secure; notify us immediately at security@usejourneywealth.com if you suspect a problem.

Children

Journey is a workplace service and is not intended for use by children. Adults may provide information about dependents, including children, when relevant to benefits or other Journey features.

Changes to this policy

We may update this policy as our services and the law change. If changes are material, we will notify you. The date above reflects the latest revision.

Contact

legal@usejourneywealth.com
Journey Technologies Inc.
169 Madison Ave STE 54155
New York, NY 10016
United States