Privacy Policy

3.1 Information You Provide Directly

• Account Information:
  • Full name
  • Email address
  • Phone number
  • Date of birth
  • Gender
• Financial Information:
  • Income details (salary, investments, other sources)
  • Expense patterns
  • Asset information
  • Liability details
  • Financial goals
  • Risk tolerance preferences
  • Investment experience
• Assessment Responses:
  • Financial behavior questionnaires
  • Goal-setting responses
  • Risk assessment answers
  • Financial literacy test results
• Communication Data:
  • Customer service interactions
  • Feedback and surveys
  • Support tickets
  • Chat conversations

3.2 Information Collected Automatically

• Device Information:
  • IP address
  • Device type and model
  • Operating system and version
  • Browser type and version
  • Mobile device identifiers
  • Screen resolution
  • Language preferences
• Usage Information:
  • Pages viewed
  • Features accessed
  • Time spent on pages
  • Navigation patterns
  • Assessment completion rates
  • Error logs
  • Performance data
• Location Data:
  • IP-based location
  • Time zone
  • Country and region
  • City (when permitted)
• Analytics Data:
  • Session duration
  • Bounce rates
  • Feature usage patterns
  • User engagement metrics
  • Conversion tracking

3.3 Information from Third Parties

• Social Media Integration:
  • Profile information when you connect social accounts
  • Social media engagement data
  • Shared content preferences
• Payment Processors:
  • Transaction history
  • Payment method information
  • Billing address
• Marketing Partners:
  • Referral source
  • Campaign attribution data
  • Marketing preferences

4.1 Core Service Provision

• Generate personalized financial analyses and insights
• Create and maintain your account
• Process and deliver assessment results
• Provide AI-powered financial recommendations
• Generate and deliver financial reports
• Facilitate communication about your financial goals
• Track progress towards financial objectives

4.2 Service Improvement and Development

• Analyze usage patterns to enhance features
• Develop new financial analysis tools
• Improve AI algorithms and recommendations
• Optimize user experience and interface
• Conduct research and statistical analysis
• Debug and fix technical issues

4.3 Communication and Support

• Send service updates and notifications
• Provide customer support
• Respond to inquiries and requests
• Send promotional communications (with consent)
• Conduct surveys and collect feedback

4.4 Security and Fraud Prevention

• Detect and prevent fraudulent activities
• Protect against security breaches
• Verify user identity
• Monitor for suspicious activities
• Ensure platform security

4.5 Legal Compliance

• Comply with legal obligations
• Respond to legal requests
• Maintain required records
• Enforce our terms and conditions of use
• Protect our legal rights

5.1 Contractual Necessity

Processing necessary to provide our Services and fulfill our contractual obligations to you, including:

• Account creation and maintenance
• Financial analysis and reporting
• Processing payments
• Delivering core features and functionality

5.2 Legitimate Interests

Processing based on our legitimate interests, including:

• Improving and developing our Services
• Ensuring platform security
• Preventing fraud
• Marketing our Services (where permitted)

5.3 Consent

Processing based on your explicit consent, including:

• Marketing communications
• Cookie usage (except essential cookies)
• Processing of sensitive data
• Third-party data sharing

5.4 Legal Obligations

Processing necessary to comply with our legal obligations, including:

• Tax and accounting requirements
• Data protection laws
• Law enforcement requests
• Regulatory compliance

6.1 Service Providers

We share information with trusted service providers who assist us in:

• Cloud hosting and storage services
• Payment processing
• Analytics services
• Customer support systems
• Email and communication platforms
• Security and fraud prevention
• Marketing and advertising services
• Professional services (legal, accounting, auditing)

6.2 Legal Requirements

We may disclose your information when legally required:

• To comply with applicable laws and regulations
• In response to valid legal processes
• To protect our rights and property
• To prevent or investigate possible wrongdoing
• To protect users or the public

6.3 Business Transfers

In connection with a business transaction such as:

• Merger or acquisition
• Sale of company assets
• Financing or acquisition of all or part of our business
• Corporate restructuring

7.1 Security Measures

We implement industry-standard security measures including:

• End-to-end encryption for sensitive data
• Multi-factor authentication
• Regular security audits
• Secure data centers
• Access controls and monitoring
• Employee security training
• Incident response plans

7.2 Data Breach Procedures

In the event of a data breach, we will:

• Notify affected users promptly
• Investigate the incident thoroughly
• Take measures to prevent future breaches
• Cooperate with authorities
• Provide guidance on protective measures

8.1 Access and Control

You have the right to:

• Access your personal information
• Correct inaccurate data
• Request deletion of your data
• Restrict or object to processing
• Data portability
• Withdraw consent
• Lodge complaints with supervisory authorities

8.2 Account Settings

You can manage your preferences through:

• Account settings panel
• Privacy dashboard
• Communication preferences
• Cookie settings

8.3 Data Retention

We retain your information:

• As long as necessary to provide services
• As required by law
• Until you request deletion
• According to our data retention policies

13.1 European Economic Area (EEA) Residents

Additional rights under GDPR:

• Right to be forgotten
• Data portability
• Restriction of processing
• Objection to processing

13.2 California Residents

Rights under CCPA:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of sale of personal information
• Right to non-discrimination

13.3 Other Jurisdictions

Additional rights may apply based on your location. Contact us for specific information about your jurisdiction.