Privacy Policy

1. Information We Collect

1.1 Account Information

When you create an account, we collect:

• Email address
• Password (encrypted and hashed)
• Name (optional)
• Subscription preferences

1.2 Portfolio Data

To provide our dividend tracking services, we collect:

• Stock symbols and ticker information
• Number of shares owned
• Purchase prices and dates
• Dividend amounts and payment dates
• Portfolio performance calculations

1.3 Usage Information

We automatically collect certain information about how you use our service:

• Pages visited and features used
• Time spent on the platform
• Device and browser information
• IP address and location data
• Log files and error reports

2. How We Use Your Information

2.1 Service Provision

We use your information to:

• Calculate dividend metrics and analytics
• Provide real-time portfolio tracking
• Generate reports and insights
• Send dividend calendar notifications
• Maintain account security

2.2 Communication

We may use your contact information to:

• Send service updates and announcements
• Respond to customer support requests
• Send billing and subscription information
• Provide educational content (if opted in)

2.3 Improvement and Analytics

We use aggregated, anonymized data to:

• Improve our platform and services
• Develop new features
• Understand usage patterns
• Ensure platform security and stability

3. Information Sharing and Disclosure

3.1 No Sale of Personal Data

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

3.2 Service Providers

We may share information with trusted third-party service providers who help us operate our platform:

• Cloud hosting providers (for data storage)
• Payment processors (for billing)
• Email service providers (for communications)
• Analytics providers (for aggregated usage data)

3.3 Legal Requirements

We may disclose information if required by law, court order, or government request, or to protect the rights, property, or safety of our users or others.

4. Data Security

4.1 Encryption

All data is encrypted both in transit and at rest using industry-standard AES-256 encryption.

4.2 Access Controls

We implement strict access controls, ensuring only authorized personnel can access user data for legitimate business purposes.

4.3 Regular Security Audits

Our security measures are regularly reviewed and updated to protect against emerging threats.

5. Data Retention

We retain your information for as long as your account is active or as needed to provide services. Specific retention periods:

• Account data: Until account deletion
• Portfolio data: Until account deletion
• Usage logs: 12 months
• Billing records: 7 years (legal requirement)
• Support communications: 3 years

6. Your Rights and Choices

6.1 Account Access and Control

You have the right to:

• Access your personal information
• Update or correct your information
• Delete your account and associated data
• Export your portfolio data
• Opt out of marketing communications

6.2 Data Portability

You can export your portfolio data in CSV format at any time through your account settings.

6.3 Marketing Communications

You can unsubscribe from marketing emails at any time using the unsubscribe link or through your account preferences.

7. Cookies and Tracking

7.1 Essential Cookies

We use cookies necessary for the platform to function, including:

• Session management
• Security features
• User preferences

7.2 Analytics Cookies

With your consent, we use analytics cookies to understand how users interact with our platform and improve our services.

7.3 Cookie Control

You can control cookie settings through your browser preferences or our cookie consent manager.

8. International Data Transfers

Your data may be processed in countries other than your country of residence. We ensure appropriate safeguards are in place for international transfers, including:

• Standard contractual clauses
• Adequacy decisions
• Appropriate security measures

9. Children's Privacy

Our service is not intended for children under 18. We do not knowingly collect personal information from children under 18. If we become aware that a child under 18 has provided personal information, we will take steps to delete such information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Displaying a prominent notice on our platform

Your continued use of the service after changes become effective constitutes acceptance of the updated policy.

11. Regional Privacy Rights

11.1 European Union (GDPR)

If you are in the EU, you have additional rights under GDPR including:

• Right to be forgotten
• Right to data portability
• Right to restrict processing
• Right to object to processing

11.2 California (CCPA)

California residents have the right to:

• Know what personal information is collected
• Delete personal information
• Opt out of the sale of personal information
• Non-discrimination for exercising privacy rights

12. Third-Party Services

Our platform may integrate with third-party services for enhanced functionality:

• Market data providers (for stock prices and dividend information)
• Financial data aggregators
• Payment processors

These services have their own privacy policies, and we encourage you to review them.