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Privacy Policy

Last Updated: November 25, 2025

At StockValueAI ("we", "our", "us"), we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

1. Information We Collect

1.1 Information You Provide

When you register for an account, we collect:

  • Email Address: Used for account creation, authentication, and communication
  • Password: Stored securely via Amazon Cognito (we never see your plain-text password)
  • User Profile Data: Including credits remaining, subscription tier, and account status

1.2 Usage Information

We automatically collect information about your interactions with the Service:

  • Analysis History: Stock tickers analyzed, analysis types (DCF/FCF/Revenue Multiple), timestamps
  • Usage Patterns: Features accessed, pages viewed, time spent on platform
  • Device Information: Browser type, operating system, IP address, device identifiers
  • Log Data: Error logs, performance metrics, API calls

1.3 Payment Information

Payment processing is handled by Stripe. We do not store your full credit card information on our servers. Stripe collects and processes:

  • Credit/debit card numbers
  • Billing addresses
  • Payment transaction history

We only store your Stripe Customer ID to manage your account and process refunds. For more information, see Stripe's Privacy Policy.

2. How We Use Your Information

We use collected information for the following purposes:

2.1 Service Delivery

  • Authenticate your account and verify your identity
  • Process stock analysis requests
  • Track credit usage and manage subscription tiers
  • Generate and store analysis reports
  • Provide customer support

2.2 Communication

  • Send transactional emails (account verification, password resets, purchase confirmations)
  • Notify you of service updates, new features, or changes to our Terms
  • Respond to your inquiries and support requests

2.3 Service Improvement

  • Analyze usage patterns to improve user experience
  • Monitor and prevent technical issues
  • Conduct internal research and analytics
  • Develop new features and services

2.4 Security and Compliance

  • Detect and prevent fraud, abuse, and unauthorized access
  • Comply with legal obligations and law enforcement requests
  • Enforce our Terms of Service

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

3.1 Service Providers

We share information with third-party vendors who assist in operating our Service:

  • AWS (Amazon Web Services): Cloud infrastructure, hosting, and database storage
  • Amazon Cognito: User authentication and identity management
  • Stripe: Payment processing
  • Polygon.io: Stock market data (we only send ticker symbols, not personal data)

3.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or subpoena).

3.3 Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

4. Data Storage and Security

4.1 Where We Store Your Data

Your data is stored on AWS servers located in the United States (us-east-1 region). We use Amazon DynamoDB for user data and Amazon S3 for file storage.

4.2 Security Measures

We implement industry-standard security measures:

  • Encryption: All data in transit is encrypted using TLS/SSL. Data at rest is encrypted using AWS encryption
  • Authentication: Multi-factor authentication supported via Amazon Cognito
  • Access Controls: Strict access policies limiting who can access user data
  • Regular Audits: Security assessments and vulnerability scans

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

4.3 Data Retention

We retain your information for as long as your account is active or as needed to provide you services. You may request deletion of your account and associated data at any time by contacting support@stockvalueai.com.

5. Your Privacy Rights

5.1 Access and Portability

You have the right to access your personal information and request a copy of your data in a portable format.

5.2 Correction and Deletion

You may update your account information at any time through your account settings. You may also request deletion of your account and associated data.

5.3 Opt-Out

You may opt out of marketing communications by clicking "unsubscribe" in any email we send. Note that you cannot opt out of transactional emails (e.g., account verification, purchase confirmations).

5.4 California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

  • Right to know what personal information is collected
  • Right to know if personal information is sold or disclosed (we do not sell personal information)
  • Right to delete personal information
  • Right to non-discrimination for exercising your rights

5.5 European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

  • Right to access your data
  • Right to rectification (correction)
  • Right to erasure ("right to be forgotten")
  • Right to restrict processing
  • Right to data portability
  • Right to object to processing

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your experience:

  • Essential Cookies: Required for authentication and basic functionality
  • Analytics Cookies: Help us understand how users interact with the Service
  • Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of the Service.

7. Third-Party Links

Our Service may contain links to third-party websites (e.g., our open-source GitHub repository, external financial resources). We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

8. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete that information.

9. International Users

If you are accessing our Service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States. By using our Service, you consent to the transfer of your information to the United States.

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 new Privacy Policy on this page and updating the "Last Updated" date. You are advised to review this Privacy Policy periodically for any changes.

11. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: