Privacy Policy

1. Introduction

StockExpertAI LLC ("StockExpertAI," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

2. Information We Collect

2.1 Information You Provide Directly

• Account registration information (name, email address)
• Profile information and investment preferences
• Portfolio data you upload or enter
• Chat conversations with Moon AI
• Community predictions and comments
• Support requests and feedback

2.2 Information Collected Automatically

• Device information (browser type, operating system)
• IP address and approximate location
• Usage patterns (pages visited, features used, time spent)
• Cookies and similar tracking technologies
• Referral sources and search terms

2.3 Information from Third Parties

• Authentication providers (when using social login)
• Analytics services (aggregated usage data)

3. How We Collect Information

We collect information through direct user input, automated technologies (cookies, web beacons, analytics tools), and from third-party authentication providers when you choose to sign in with social accounts.

4. Purposes and Legal Bases

Why we use your data:

• To provide and maintain the Service
• To personalize your experience and AI-generated insights
• To improve our platform and develop new features
• To communicate with you about updates and changes
• To detect and prevent fraud, abuse, and security incidents
• To comply with legal obligations

GDPR Legal Bases: Contract performance, legitimate interests, consent, and legal obligations.

CCPA Business Purposes: Performing services, security, debugging, internal research, and quality improvement.

5. Data Sharing and Disclosure

We may share your information with:

• Cloud Infrastructure: For hosting and data storage
• AI Model Providers: For generating analysis (data is not used to train their models)
• Analytics Services: For aggregated usage insights
• Payment Processors: When paid features are introduced
• Legal Authorities: When required by law or to protect our rights

6. Your Privacy Rights

7. AI and Data Processing

8. Data Retention

• Account Data: Retained while your account is active. Deleted within 30 days of account deletion request.
• Usage Logs: Retained for up to 90 days for security and debugging purposes.
• Financial/Legal Records: Retained for up to 7 years as required by applicable laws.

9. Security Measures

We implement industry-standard security measures including SSL/TLS encryption, secure authentication, HTTP Strict Transport Security (HSTS), Content Security Policy (CSP) headers, and regular security reviews. For full details, see our Security page.

10. International Data Transfers

Your data may be transferred to and processed in countries outside your jurisdiction. We ensure appropriate safeguards are in place:

• Standard Contractual Clauses (SCCs) for EU data transfers
• Data Processing Agreements (DPAs) with all service providers
• Adherence to Privacy Shield principles where applicable

11. Children's Privacy

StockExpertAI is not intended for users under the age of 18 (or 16 in certain jurisdictions). We do not knowingly collect personal information from children. If we learn that we have collected data from a child, we will delete it promptly.

12. Notice for California Residents

Under the CCPA, California residents have specific rights regarding their personal information. Categories of personal information we may collect include:

• Identifiers (name, email, IP address)
• Internet activity (browsing history, search history on our platform)
• Geolocation data (approximate location from IP)
• Professional information (investment preferences)

We do not sell personal information. To exercise your CCPA rights, contact us at [email protected].

13. Cookies and Tracking Technologies

We use essential cookies to keep the Service secure and working. Optional analytics and marketing cookies are off unless you choose to accept them.

Your cookie choice is stored for 180 days, then we ask again. We also ask again if the cookie purpose or consent version changes.

You can change your choice from the Privacy Policy page by selecting Manage cookie preferences, or by clearing site data in your browser.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or prominent notice on the platform at least 30 days before taking effect. Your continued use of the Service after changes take effect constitutes acceptance.

15. Contact Us