Privacy Policy
Privacy Policy Overview
- We believe that appropriately protecting our customers' personal information is a social responsibility, and we comply with the laws and regulations concerning the protection of personal information and related guidelines.
- We will safely manage and appropriately use personal information collected through this website.
- We will not provide personal information to third parties without your consent, except as required by law or as outlined in this policy.
- This privacy policy applies to all users of our services, regardless of location, with additional protections for residents of California and other states with specific privacy laws.
Scope and Application
- This Privacy Policy applies to our website, mobile applications, and all related services.
- This policy covers information collected through direct interactions, automated technologies, and third-party sources.
- Special provisions apply to residents of California under the California Consumer Privacy Act (CCPA).
- We do not knowingly collect information from children under 13 years of age without parental consent.
Information We Collect
- We may collect the following categories of information through this service:
| Information Category | Specific Data Types | Collection Purpose | Storage Period | Legal Basis |
|---|---|---|---|---|
| Personal Identifiers | User ID, Email Address, Name, Phone Number | Account management, communication, customer support | 6 months after account termination | Contract performance, Legitimate interest |
| Financial Information | Securities codes, Investment preferences, Portfolio data | Providing AI-powered stock analysis services | 30 days after analysis completion | Contract performance |
| Technical Data | IP address, Browser type, Device information, Operating system | Security assurance, service improvement, fraud prevention | 90 days from collection | Legitimate interest |
| Usage Data | Access logs, Click patterns, Feature usage, Session duration | Service optimization, analytics, user experience improvement | During active usage only | Legitimate interest |
| Communication Data | Support tickets, Chat logs, Email correspondence | Customer support, service improvement | 3 years from last contact | Contract performance, Legal obligation |
| Location Data | Country, State, Time zone (approximate location only) | Compliance with local regulations, service customization | During service usage | Legitimate interest |
How We Collect Information
- Direct Collection: Information you provide when creating an account, using our services, or contacting us
- Automatic Collection: Technical information collected through cookies, web beacons, and similar technologies
- Third-Party Sources: Information from analytics providers, advertising networks, and data brokers (with your consent where required)
- Social Media: Information from social media platforms when you interact with our content or use social login features
Use of Cookies and Tracking Technologies
- We use cookies, web beacons, pixel tags, and similar technologies to improve user experience and service quality.
- Essential Cookies: Required for basic website functionality and cannot be disabled
- Performance Cookies: Help us understand how visitors interact with our website
- Functional Cookies: Enable enhanced functionality and personalization
- Advertising Cookies: Used to deliver relevant advertisements (requires consent)
- You can manage cookie preferences through your browser settings, but some service functions may not work properly if disabled.
- We respect "Do Not Track" signals and global privacy controls where technically feasible.
How We Use Information
- We use collected information for the following specific purposes:
- Service Provision: Providing AI-powered stock analysis services and related features
- Communication: Sending notifications, updates, support responses, and service-related communications
- Improvement: Analyzing usage patterns to improve service quality and develop new features
- Security: Preventing unauthorized use, fraud detection, and ensuring platform security
- Legal Compliance: Meeting regulatory requirements and legal obligations
- Marketing: Sending promotional materials (only with explicit consent and easy opt-out)
- Research: Conducting anonymized research to improve our services and industry insights
Sharing Information with Third Parties
- We will not sell your personal information to third parties. We may share information in the following limited circumstances:
- With Your Consent: When you explicitly authorize sharing
- Legal Requirements: When required by law, court order, or government request
- Service Providers: With trusted partners who provide services on our behalf (cloud hosting, analytics, customer support)
- Business Transfers: In connection with mergers, acquisitions, or asset sales (with notice to affected users)
- Safety and Security: To protect the rights, property, or safety of our company, users, or the public
- De-identified Data: We may share aggregated or de-identified information that cannot reasonably identify you
- All third-party service providers are contractually bound to protect your information and use it only for specified purposes.
Information Security
- We implement comprehensive security measures to protect your personal information:
- Encryption: Data in transit and at rest is encrypted using industry-standard protocols
- Access Controls: Strict access controls limit employee access to personal information based on job requirements
- Security Monitoring: Continuous monitoring for security threats and vulnerabilities
- Regular Audits: Periodic security assessments and penetration testing
- Incident Response: Established procedures for detecting, responding to, and reporting security incidents
- Data Minimization: We collect and retain only the minimum necessary personal information
- Vendor Security: All third-party vendors undergo security assessments and must meet our security standards
- Despite our security measures, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.
Data Retention
- We retain personal information only as long as necessary for the purposes outlined in this policy:
- Account Data: Retained while your account is active and for 6 months after closure
- Transaction Data: Retained for 7 years to comply with financial regulations
- Communication Records: Retained for 3 years for customer service and legal purposes
- Marketing Data: Retained until you opt out or for 2 years of inactivity
- Legal Holds: Data subject to legal proceedings may be retained longer as required
- When retention periods expire, we securely delete or anonymize personal information.
Your Rights and Choices
- Access: You have the right to request access to your personal information and receive a copy
- Correction: You can request correction of inaccurate or incomplete personal information
- Deletion: You can request deletion of your personal information (subject to legal retention requirements)
- Portability: You can request a copy of your data in a structured, machine-readable format
- Objection: You can object to processing based on legitimate interests
- Restriction: You can request restriction of processing in certain circumstances
- Opt-out: You can opt out of marketing communications and certain data uses
- Non-discrimination: We will not discriminate against you for exercising your privacy rights
- To exercise these rights, please contact us using the information provided below.
California Consumer Privacy Act (CCPA) Rights
- If you are a California resident, you have additional rights under the CCPA:
- Right to Know: You can request information about the categories and specific pieces of personal information we collect, use, disclose, and sell
- Right to Delete: You can request deletion of personal information, subject to certain exceptions
- Right to Opt-Out: You can opt out of the sale of personal information (Note: We do not sell personal information)
- Right to Non-Discrimination: We cannot discriminate against you for exercising your CCPA rights
- Authorized Agent: You may designate an authorized agent to make requests on your behalf
- Verification: We may require verification of your identity before processing requests
- Response Time: We will respond to verified requests within 45 days (extendable by 45 days with notice)
- To exercise your CCPA rights, email us at privacy@[company].com or call 1-800-XXX-XXXX
Children's Privacy
- Our services are not intended for children under 13 years of age
- We do not knowingly collect personal information from children under 13
- If we become aware that we have collected information from a child under 13, we will delete it promptly
- Parents or guardians who believe we may have collected information from a child under 13 should contact us immediately
- For users between 13 and 18, we require parental consent for certain data processing activities
International Data Transfers
- Your information may be transferred to and processed in countries other than your country of residence
- We ensure appropriate safeguards are in place for international transfers, including:
- Adequacy Decisions: Transfers to countries with adequate privacy protections
- Standard Contractual Clauses: Binding contractual protections for data transfers
- Certification Programs: Participation in recognized privacy frameworks
- We will not transfer your information to countries without adequate privacy protections
Contact Information and Complaints
For inquiries regarding this Privacy Policy or to exercise your rights, please contact us:
Privacy Officer
Email: privacy@[company].com
Phone: 1-800-XXX-XXXX (Monday-Friday, 9 AM - 5 PM PST)
Mailing Address:
[Company Name]
Attn: Privacy Officer
[Street Address]
[City, State ZIP Code]
United States
Data Protection Officer
Email: dpo@[company].com
CCPA Requests
Toll-Free Number: 1-800-XXX-XXXX
Online Form: Submit CCPA Request
Complaint Procedures
- Internal Complaints: Contact our Privacy Officer using the information above
- California Attorney General: File a complaint
- Federal Trade Commission: FTC Complaint Assistant
- State Privacy Authorities: Contact your state's consumer protection agency
Policy Changes
- We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws
- Material changes will be communicated through:
- Website Notice: Prominent notice on our website for 30 days before changes take effect
- Email Notification: Direct email to registered users (if we have your email address)
- In-App Notification: Push notifications through our mobile applications
- We will obtain your consent for material changes that expand how we use your personal information
- Continued use of our services after policy changes constitutes acceptance of the updated policy
- Previous versions of this policy are archived and available upon request
Additional State-Specific Rights
- Nevada Residents: You have the right to opt out of the sale of personal information (Nevada SB 220)
- Virginia Residents: Additional rights under the Virginia Consumer Data Protection Act (VCDPA) effective January 1, 2023
- Colorado Residents: Rights under the Colorado Privacy Act (CPA) effective July 1, 2023
- Connecticut Residents: Rights under the Connecticut Data Privacy Act (CTDPA) effective July 1, 2023
- We will update this policy as additional state privacy laws become effective
- For state-specific rights inquiries, please contact our Privacy Officer
Definitions
- Personal Information: Information that identifies, relates to, or could reasonably be linked with you or your household
- De-identified Information: Information that cannot reasonably identify you
- Sell/Sale: Sharing personal information with third parties for monetary or other valuable consideration
- Service Providers: Third parties that process personal information on our behalf under contract
- Sensitive Personal Information: Specific categories of personal information subject to additional protections
- Processing: Any operation performed on personal information, including collection, use, storage, and disclosure