Privacy Policy

1. Introduction

This Privacy Policy explains how we ("Company," "we," "us," or "our") collect, use, disclose, and protect your personal information when you use our financial analysis platform ("Service"). We are committed to protecting your privacy and complying with applicable data protection laws, including the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA).

Regulatory Status: This platform is not registered with the U.S. Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), or any other regulatory body as an investment advisor or broker-dealer. We comply with applicable laws and regulations for educational software platforms.

2. Information We Collect

2.1 Information You Provide

• Account Information: Name, email address, password
• Payment Information: Billing address, payment method details (processed securely by third-party payment processors)
• Profile Information: Any additional information you choose to provide
• Communications: Messages, feedback, or support inquiries you send us

2.2 Information Automatically Collected

• Usage Data: Pages viewed, features used, search queries, stock tickers analyzed
• Device Information: IP address, browser type, operating system, device identifiers
• Cookies & Tracking: Session data, preferences, analytics cookies (see Section 9)
• Log Data: Access times, error logs, referral URLs

2.3 Third-Party Data

We receive financial market data from third-party providers. This data is aggregated and not linked to your personal information unless you choose to save or analyze specific data.

3. How We Use Your Information

We use your information to:

• Provide, operate, and maintain the Service
• Process transactions and manage subscriptions
• Send you account notifications, updates, and security alerts
• Respond to your inquiries and provide customer support
• Analyze usage patterns and improve our Service
• Prevent fraud, abuse, and security threats
• Comply with legal obligations and enforce our Terms
• Send marketing communications (with your consent, where required)
• Conduct research and development

4. Legal Basis for Processing (GDPR)

If you are in the European Economic Area (EEA), we process your data based on:

• Contract Performance: To provide the Service you requested
• Legitimate Interests: To improve our Service, prevent fraud, and ensure security
• Legal Compliance: To comply with laws and regulations
• Consent: For marketing communications and non-essential cookies (you may withdraw consent anytime)

5. Data Sharing & Disclosure

We may share your information with:

5.1 Service Providers

Third-party vendors who perform services on our behalf (hosting, payment processing, analytics, customer support). These providers are contractually obligated to protect your data and use it only for specified purposes.

5.2 Legal Requirements

We may disclose your information if required by law, subpoena, court order, or government request, or to protect our rights, safety, or property.

5.3 Business Transfers

In connection with a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred to the acquiring entity.

5.4 With Your Consent

We may share your information for other purposes with your explicit consent.

We do NOT sell your personal information to third parties.

6. Data Retention

We retain your personal information for as long as necessary to provide the Service, comply with legal obligations, resolve disputes, and enforce our agreements. When you close your account, we will delete or anonymize your data within 90 days, unless retention is required by law. Usage logs and analytics data may be retained in aggregated, anonymized form indefinitely.

7. Your Privacy Rights

Depending on your location, you may have the following rights:

GDPR Rights (EEA/UK)

• Access: Request a copy of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your data ("right to be forgotten")
• Restriction: Limit how we process your data
• Data Portability: Receive your data in a portable format
• Object: Object to processing based on legitimate interests
• Withdraw Consent: Opt-out of marketing or non-essential data processing
• Lodge a Complaint: File a complaint with your data protection authority

CCPA Rights (California)

• Know: Request disclosure of data collected and shared
• Delete: Request deletion of your data
• Opt-Out: Opt-out of data "sales" (we do not sell data)
• Non-Discrimination: We will not discriminate against you for exercising your rights

To exercise your rights, contact us at: privacy@yourcompany.com

8. Data Security

We implement industry-standard security measures to protect your data, including:

• Encryption of data in transit (TLS/SSL) and at rest
• Secure authentication and password hashing
• Regular security audits and vulnerability assessments
• Access controls and employee training
• Intrusion detection and monitoring

However, no system is 100% secure. You are responsible for keeping your account credentials confidential. Notify us immediately of any unauthorized access.

9. Cookies & Tracking Technologies

We use cookies and similar technologies to:

• Essential Cookies: Required for authentication and security
• Analytics Cookies: Track usage and improve our Service
• Preference Cookies: Remember your settings

You can control cookies through your browser settings. Disabling essential cookies may affect functionality. For analytics cookies, we use Google Analytics—you can opt-out via the Google Analytics Opt-Out Browser Add-on.

10. International Data Transfers

Your data may be transferred to and processed in countries outside your country of residence, including the United States. These countries may have different data protection laws. When we transfer data from the EEA/UK, we use Standard Contractual Clauses (SCCs) or other approved mechanisms to ensure adequate protection.

11. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected data from a child, contact us immediately, and we will delete it.

12. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for their privacy practices. Review their privacy policies before providing any information.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or prominent notice on our Service. The "Last Updated" date at the top reflects the latest revision. Continued use after changes constitutes acceptance.

14. Contact Us

For privacy-related questions, to exercise your rights, or to report a security issue, contact us at: