Privacy Policy
How we collect, use, and protect your information
1. Introduction
PortfolioIQ LLC ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our portfolio management service.
By using our service, you consent to the data practices described in this policy.
2. Information We Collect
2.1 Personal Information
- Account Information: Name, email address, password (encrypted)
- Profile Data: Investment goals, risk tolerance, time horizon
- Contact Information: When you contact our support team
- Payment Information: Billing details processed securely through Stripe
2.2 Portfolio Data
- Holdings Information: ETF tickers, target allocations, share quantities
- Portfolio Metrics: Performance calculations, risk assessments
- Rebalancing History: Past rebalancing events and recommendations
- Generated Reports: Analytics reports you create
2.3 Usage Data
- Analytics Data: How you use our features and navigate the platform
- Device Information: Browser type, IP address, device characteristics
- Log Data: Access times, pages viewed, errors encountered
- Performance Data: Response times, feature usage patterns
2.4 Market Data
- Price Information: ETF prices and market data from yfinance and other APIs
- Market Intelligence: News, earnings data, economic indicators
- Third-party Data: Information from financial data providers
3. How We Use Your Information
3.1 Service Provision
- Calculate portfolio performance and risk metrics
- Generate rebalancing recommendations
- Provide market intelligence and insights
- Create analytics reports and charts
- Send portfolio alerts and notifications
3.2 Account Management
- Authenticate and secure your account
- Process subscription payments
- Provide customer support
- Communicate service updates
3.3 Improvement and Analytics
- Analyze usage patterns to improve our service
- Develop new features and capabilities
- Monitor system performance and reliability
- Ensure security and prevent fraud
4. Information Sharing and Disclosure
4.1 We Do NOT Share Your Personal Portfolio Data
Your individual portfolio information is never sold, rented, or shared with third parties for marketing purposes.
4.2 Limited Sharing Circumstances
- Service Providers: Trusted partners who help us operate our service (hosting, payment processing, email services)
- Legal Requirements: When required by law, court order, or government regulation
- Business Transfers: In the event of a merger, acquisition, or sale of assets
- Safety and Security: To protect our users and prevent fraud or illegal activity
4.3 Third-Party Services
- Market Data Providers: yfinance, Polygon.io, Alpha Vantage for financial data
- Payment Processing: Stripe for secure payment processing
- Email Services: EmailJS for transactional emails
- Analytics: Privacy-focused analytics to understand usage patterns
5. Data Security
5.1 Security Measures
- Encryption: All data is encrypted in transit and at rest
- Access Controls: Strict access controls and authentication
- Regular Audits: Security assessments and vulnerability testing
- Secure Infrastructure: Enterprise-grade hosting and monitoring
5.2 Data Retention
- Active Accounts: Data retained while your account is active
- Closed Accounts: Data deleted within 90 days of account closure
- Legal Requirements: Some data may be retained longer for legal compliance
- Anonymized Data: Non-personal aggregate data may be retained for analytics
6. Your Rights and Choices
6.1 Account Control
- Access: View and download your personal data
- Update: Modify your account and profile information
- Delete: Request deletion of your account and data
- Portability: Export your portfolio data
6.2 Communication Preferences
- Email Notifications: Opt out of non-essential emails
- Telegram Alerts: Disconnect Telegram integration anytime
- Marketing: Unsubscribe from promotional communications
6.3 GDPR Rights (EU Users)
- Right to access your personal data
- Right to rectification of inaccurate data
- Right to erasure ("right to be forgotten")
- Right to data portability
- Right to object to processing
7. Cookies and Tracking
7.1 Essential Cookies
We use essential cookies for:
- User authentication and session management
- Security and fraud prevention
- Core functionality of our service
7.2 Analytics Cookies
We use privacy-focused analytics to understand:
- How users navigate our platform
- Which features are most valuable
- Performance and error tracking
8. 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.
9. Children's Privacy
Our service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we discover we have collected information from a child under 18, we will delete it immediately.
10. Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of any material changes by:
- Posting the updated policy on our website
- Sending an email notification to your registered email address
- Displaying a prominent notice in our service
Your continued use of our service after changes become effective constitutes acceptance of the updated policy.
11. Contact Information
Data Protection Officer
Email: team@portfolio-iq.online
Subject Line: Privacy Policy Inquiry
General Contact
Email: team@portfolio-iq.online
Response Time: Within 24 hours
12. Legal Basis for Processing (GDPR)
For EU users, our legal basis for processing your personal data includes:
- Contract Performance: To provide our portfolio management service
- Legitimate Interests: To improve our service and ensure security
- Consent: For marketing communications and optional features
- Legal Obligation: To comply with applicable laws and regulations
This Privacy Policy is effective as of the date listed above and governs your use of the PortfolioIQ service operated by PortfolioIQ LLC.