Privacy Policy
Last Updated: January 2025
At Portfolio AI, we take your privacy seriously. This Privacy Policy explains how we collect, use, protect, and share your information when you use our services.
1. Information We Collect
1.1 Information You Provide
- Account registration information (name, email address, password)
- Profile information and preferences
- Communication data when you contact our support team
1.2 Financial Account Information
- Read-only access to your brokerage and crypto exchange accounts through secure API connections
- Portfolio holdings, transaction history, and account balances
- We use bank-level 256-bit encryption to protect this data
- We NEVER store your login credentials or have the ability to move your assets
1.3 Automatically Collected Information
- Device information (browser type, operating system)
- Usage data (pages viewed, features used, time spent)
- IP address and location data
- Cookies and similar tracking technologies
2. How We Use Your Information
We use your information to:
- Provide and improve our portfolio management and analysis services
- Generate AI-powered insights about your investments
- Send you service updates, security alerts, and important notifications
- Analyze and improve our platform performance
- Comply with legal obligations and prevent fraud
- Communicate with you about new features and services (with your consent)
3. Data Security
We implement industry-leading security measures:
- Bank-Level 256-bit Encryption: All data is encrypted both in transit and at rest
- SOC 2 Compliance: We maintain rigorous security standards and regular audits
- Read-Only Access: We can only view your account data, never move or withdraw funds
- Secure APIs: We use OAuth 2.0 and other industry-standard protocols
- Regular Security Audits: Third-party security assessments and penetration testing
- Access Controls: Strict internal controls on who can access your data
4. Data Sharing and Disclosure
4.1 We DO NOT Sell Your Data
We will never sell, rent, or trade your personal information or financial data to third parties for marketing purposes.
4.2 When We May Share Your Data
- Service Providers: Trusted partners who help us operate our platform (cloud hosting, analytics, customer support). All are bound by strict confidentiality agreements.
- Legal Compliance: When required by law, court order, or government regulation
- Business Transfers: In the event of a merger, acquisition, or sale of assets
- With Your Consent: Any other sharing will only occur with your explicit permission
5. Your Privacy Rights
You have the right to:
- Access: Request a copy of all personal data we hold about you
- Correction: Update or correct inaccurate information
- Deletion: Request deletion of your account and associated data
- Data Portability: Export your data in a machine-readable format
- Opt-Out: Unsubscribe from marketing communications at any time
- Withdraw Consent: Revoke consent for data processing where applicable
6. Data Retention
We retain your information for as long as your account is active or as needed to provide services. After account deletion, we may retain certain data for legal compliance, fraud prevention, and backup purposes for a limited time period.
7. International Data Transfers
Your data may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy and applicable laws.
8. Children's Privacy
Portfolio AI is not intended for users under the age of 18. We do not knowingly collect information from children. If you believe we have collected information from a child, please contact us immediately.
9. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze platform usage and performance
- Provide personalized experiences
- Detect and prevent fraud
You can control cookies through your browser settings, but some features may not function properly if cookies are disabled.
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 email or through our platform. Your continued use of Portfolio AI after changes become effective constitutes acceptance of the updated policy.
11. Contact Us
If you have questions, concerns, or requests regarding your privacy or this policy, please contact us:
- Email: privacy@portfolioai.com
- Support: support@portfolioai.com
- Address: Portfolio AI, Inc., [Your Address]
12. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information (note: we do not sell personal information).
13. European Privacy Rights (GDPR)
If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR), including the right to access, rectification, erasure, restriction of processing, data portability, and the right to lodge a complaint with a supervisory authority.