Privacy Policy

1. Information We Collect

We collect information that you provide directly to us, information that is collected automatically when you use our services, and information from third-party sources.

Account Information. When you create an account, we collect your name, email address, and password. If you choose to complete your profile, you may also provide additional information such as your investment experience level and areas of interest. We use this information to personalize your experience and provide relevant content.

Usage Data. We automatically collect information about how you interact with our platform, including the pages you visit, features you use, search queries you enter, watchlist and portfolio actions you take, and the dates and times of your visits. This data helps us understand how our platform is used and identify areas for improvement.

Device and Browser Information. We collect information about the device and browser you use to access our platform, including your IP address, browser type and version, operating system, screen resolution, and referring URL. This information is used for analytics, security, and to optimize our platform for different devices.

Cookies and Similar Technologies. We use cookies, local storage, and similar technologies to maintain your session, remember your preferences, and collect usage analytics. See Section 6 for more details on our cookie practices.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our platform and services, including market data delivery, portfolio tracking, quantitative analysis tools, and the Preparedness Score.
• To create and manage your account, authenticate your identity, and maintain the security of your session.
• To personalize your experience, including customizing the content, features, and market data displayed based on your preferences and usage patterns.
• To communicate with you about your account, respond to your inquiries, and send service-related notices such as updates, security alerts, and support messages.
• To analyze usage trends and patterns in order to improve our platform's functionality, performance, and user experience.
• To detect, investigate, and prevent fraudulent transactions, unauthorized access, and other illegal activities.
• To comply with legal obligations, enforce our Terms of Service, and protect our rights and the rights of our users.

3. Information Sharing

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following limited circumstances:

• Service Providers. We may share information with third-party vendors who perform services on our behalf, such as hosting, analytics, email delivery, and customer support. These providers are contractually obligated to use your information only for the purposes of providing services to us and are required to maintain the confidentiality of your data.
• Legal Requirements. We may disclose your information if required to do so by law, or if we believe in good faith that such disclosure is necessary to comply with a legal obligation, protect and defend our rights or property, prevent fraud, or protect the personal safety of our users or the public.
• Business Transfers. In the event of a merger, acquisition, reorganization, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our platform before your information is transferred and becomes subject to a different privacy policy.
• Aggregated or De-Identified Data. We may share aggregated or de-identified information that cannot reasonably be used to identify you for research, analytics, or other purposes.

4. Data Security

We implement reasonable and appropriate technical, administrative, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encryption of data in transit using TLS/SSL, secure hashing of passwords, access controls limiting employee access to personal data, and regular security assessments.

However, no method of transmission over the internet or method of electronic storage is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account.

5. Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information:

• Access. You have the right to request a copy of the personal information we hold about you.
• Correction. You have the right to request that we correct any inaccurate or incomplete personal information.
• Deletion. You have the right to request the deletion of your personal information, subject to certain exceptions such as compliance with legal obligations.
• Portability. You have the right to request a copy of your data in a structured, commonly used, and machine-readable format.
• Opt-Out. You may opt out of receiving promotional communications from us at any time by following the unsubscribe instructions included in each email or by contacting us directly.

To exercise any of these rights, please contact us at privacy@preparedinvestors.com. We will respond to your request within 30 days.

6. Cookies and Tracking

Cookies are small text files placed on your device when you visit our website. We use the following types of cookies:

• Essential Cookies. These are necessary for the platform to function properly. They enable core functionality such as session management, authentication, and security. You cannot opt out of essential cookies.
• Functional Cookies. These remember your preferences and choices (such as display settings, watchlist configuration, and chart preferences) to provide a more personalized experience.
• Analytics Cookies. These help us understand how visitors interact with our platform by collecting information about page views, feature usage, and navigation patterns. We use Google Analytics for this purpose.

Most web browsers allow you to control cookies through their settings preferences. However, if you disable certain cookies, some features of our platform may not function properly.

7. Third-Party Services

Our platform integrates with and relies upon several third-party services for data and functionality:

• Tiingo — Provides stock, ETF, and forex market data including real-time quotes, historical prices, and fundamental data.
• Alpha Vantage — Provides supplementary market data, technical indicators, and economic data.
• CoinGecko — Provides cryptocurrency market data including prices, market capitalization, and trading volumes.
• Google Analytics — Collects anonymized usage data to help us understand how our platform is used and improve the user experience.

Each of these third-party services has its own privacy policy governing the collection and use of data. We encourage you to review their respective privacy policies. We do not share your personal account information with these data providers; our integrations are limited to fetching market data and aggregating anonymized analytics.

8. Children's Privacy

Our platform is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take immediate steps to delete that information. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us at privacy@preparedinvestors.com.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you via email or prominent notice on our platform. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

Your continued use of our platform after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: