Privacy Policy

1. Information We Collect

We collect information from you in various ways, including information you provide directly, information collected automatically, and information from third parties. The types of information we may collect include:

a. Personal Information You Provide

• Account and Registration Information: When you create an Account or subscribe to premium Services, we may collect your name, email address, username, password, billing address, and payment information (e.g., credit card details, processed through third-party payment processors).
• Communications and Support: If you contact us via email, support forms, or other channels, we collect your contact details and the content of your communications.
• User-Generated Content: Any information you voluntarily provide, such as feedback, reviews, or preferences related to the Services.
• Subscription and Payment Details: Information necessary to process Subscriptions, including transaction history.

b. Information Collected Automatically

• Usage Data: We automatically collect information about your interactions with the Services, such as pages viewed, time spent on the Website, search queries, clicks, and navigation paths.
• Device and Browser Information: Details about your device, including IP address, browser type, operating system, device identifiers, and mobile network information.
• Log Data: Server logs that record access times, referring URLs, and error messages.
• Cookies and Similar Technologies: We use cookies, web beacons, pixel tags, and similar tracking technologies to enhance your experience, remember preferences, analyze usage, and deliver personalized content. For more details, see Section 6 below.
• Analytics Data: Aggregated or anonymized data about user behavior, such as popular Content or trends in stock market queries.

c. Information from Third Parties

• Payment Processors: We receive confirmation of transactions and related details from third-party payment providers.
• Analytics Providers: Services like Google Analytics help us understand user engagement.
• Publicly Available Data: For AI-generated Content, we may incorporate publicly available market data from third-party sources, but this does not include your personal information unless you provide it.
• Social Media and Integrations: If you connect via third-party accounts (e.g., social login), we may receive profile information from those platforms.

We do not collect sensitive personal information (e.g., racial or ethnic origin, political opinions, religious beliefs, health data, or biometric data) unless you voluntarily provide it in communications, in which case we will handle it in accordance with this Policy.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Providing and Improving the Services: To operate the Website, deliver AI-generated Content, process Subscriptions, personalize your experience, and enhance features based on usage patterns.
• Account Management: To create and manage your Account, authenticate access, and handle billing and payments.
• Communications: To send you service-related emails (e.g., account verification, Subscription confirmations, updates), newsletters, promotional offers, or responses to your inquiries. You may opt out of marketing communications at any time (see Section 7).
• Analytics and Research: To analyze trends, monitor performance, and develop new features or AI models. This may include aggregating data to improve Content accuracy.
• Security and Fraud Prevention: To detect and prevent abuse, fraud, security incidents, or violations of our Terms.
• Legal Compliance: To comply with applicable laws, regulations, legal processes, or enforceable government requests.
• Business Operations: For internal purposes such as auditing, data analysis, and record keeping.

We may use de-identified or aggregated data for any purpose, including sharing with third parties, as it no longer identifies you.

3. Sharing Your Information

We do not sell your personal information to third parties. However, we may share your information in the following circumstances:

• Service Providers: With vendors, consultants, and third-party service providers who perform services on our behalf, such as payment processing, hosting, analytics, email delivery, and customer support. These providers are contractually obligated to use your information only for the purposes we specify and to protect its confidentiality.
• Analytics Service Providers and Advertisers: We permit third parties to use cookies and tracking technologies to analyze usage and deliver targeted ads.
• Business Transfers: In connection with a merger, acquisition, reorganization, bankruptcy, or sale of assets, your information may be transferred to the new entity.
• Legal Requirements: If required by law, subpoena, court order, or government authority, or to protect our rights, property, or safety, or that of our users or others.
• Affiliates: With our parent companies, subsidiaries, or affiliates for internal business purposes.
• With Your Consent: For any other purpose disclosed at the time of collection or with your explicit consent.

We may share aggregated or de-identified information publicly or with third parties without restriction.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, use, alteration, or destruction. For example, we use encryption for data in transit and at rest, access controls, and regular security audits. However, no method of transmission over the internet or electronic storage is completely secure, so we cannot guarantee absolute security. You are responsible for maintaining the security of your Account credentials.

In the event of a data breach that compromises your personal information, we will notify you and relevant authorities as required by applicable law.

5. Legal Bases for Processing and Sharing

We process and share your personal data only when we have a valid legal basis to do so, as required under applicable data protection laws such as the GDPR, CCPA, or similar regulations. These bases ensure that our handling of your data is lawful, transparent, and proportionate to the purposes described in this Policy. Below, we outline the primary legal bases we rely on, with expanded explanations and examples to provide clarity on how they apply to our practices:

• Consent: This basis applies when you have given us explicit permission to process your data for a specific purpose. Consent must be freely given, informed, and unambiguous, and you can withdraw it at any time without affecting the lawfulness of prior processing. For instance, we may rely on consent for sending you promotional newsletters or marketing emails about new features or offers related to our AI-generated investment insights. If you opt in during registration or through your Account settings, we will process your email address for these communications. You can withdraw consent easily by clicking the unsubscribe link in any email or contacting us directly. We do not rely on consent as our primary basis for most core Service operations, as other bases often suffice.
• Legitimate Interests: We use this basis when processing is necessary for our legitimate business interests (or those of a third party), provided these interests are not overridden by your rights, freedoms, or privacy expectations. Before relying on this, we conduct a balancing test to ensure the processing is fair and includes safeguards like data minimization and security measures. Examples include: improving the Services by analyzing usage patterns to enhance AI algorithms and Content accuracy; performing analytics to understand user trends and optimize features; promoting the Services through non-intrusive methods like in-app notifications; preventing fraud by monitoring Account activity for suspicious behavior; addressing security issues such as detecting unauthorized access; protecting against harm to our rights, property, or safety (or that of users or the public); and enforcing legal claims, such as investigating potential violations of our Terms. In each case, we limit processing to what is necessary and provide you with options to object where appropriate.
• Contractual Obligations: This basis supports processing that is essential to fulfill a contract with you or to take steps at your request before entering a contract. For example, when you subscribe to premium Services, we process your payment information and billing details to provide access to AI-generated Content and manage your Subscription. This includes authenticating your Account, processing transactions via third-party providers, and delivering the features you've requested. Without this processing, we could not perform our contractual duties.
• Legal Obligations: We process data when required by law, regulation, or enforceable government requests. This includes complying with subpoenas, court orders, or audits; responding to data access requests from authorities; retaining records for tax, accounting, or regulatory purposes; and reporting security incidents as mandated by laws like GDPR or CCPA. For instance, if a valid legal process requires disclosure of user data, we will process and share it accordingly, but only to the extent necessary.

These bases are not mutually exclusive and may overlap depending on the context. We document our reliance on each basis internally and review it regularly to ensure compliance. If you have questions about the specific basis for processing your data, contact us using the details in Section 13.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to collect information and improve the Services:

• Essential Cookies: Necessary for the Website to function, such as maintaining sessions and security.
• Performance Cookies: Help us analyze how users interact with the Services.
• Functionality Cookies: Remember your preferences and settings.
• Advertising Cookies: May be used by third parties to deliver relevant ads (if applicable).

You can manage cookie preferences through your browser settings. Note that disabling cookies may limit certain features of the Services. For more information, see our Cookie Policy.

We may use tools like Google Analytics, which collects data about your visits. Google's privacy practices are governed by their policies (available at policies.google.com/privacy). You can opt out via browser add-ons.

7. Your Rights and Choices

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

• Access and Correction: Request access to or copies of your information, or correct inaccuracies.
• Deletion: Request deletion of your information, subject to legal retention requirements.
• Opt-Out of Sharing/Selling: If applicable under laws like the California Consumer Privacy Act (CCPA) or General Data Protection Regulation (GDPR), opt out of the sale or sharing of your personal information (note: we do not sell personal information).
• Portability: Request your information in a portable format.
• Withdraw Consent: Where processing is based on consent, withdraw it at any time.
• Marketing Opt-Out: Unsubscribe from promotional emails via the link in emails or by contacting us.

To exercise these rights, contact us at support@traydzee.com. We may verify your identity before responding. We will respond within the timeframes required by law (e.g., 45 days under CCPA). If we deny a request, we will explain why.

For California residents: Under CCPA/CPRA, you have the right to know what personal information we collect, use, disclose, or sell about you. We do not sell personal information, but you may opt out of any future sales. You also have non-discrimination rights.

For EU/UK residents: Under GDPR/UK GDPR, you have additional rights, including objection to processing and lodging complaints with supervisory authorities.

8. Children's Privacy

The Services are not intended for anyone under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected such information, we will delete it promptly. If you believe a child has provided us with information, contact us immediately.

9. International Data Transfers

If you are located outside the United States, your information may be transferred to and processed in the United States or other countries where our servers or service providers are located. These countries may have different data protection laws. By using the Services, you consent to such transfers. We use appropriate safeguards, such as Standard Contractual Clauses, to ensure compliance with applicable laws.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Policy, comply with legal obligations, resolve disputes, and enforce our agreements. For example, Account information is retained while your Account is active and for a reasonable period thereafter. Usage data may be retained in aggregated form indefinitely. Criteria for retention include the nature of the information and legal requirements.

11. Third-Party Links and Services

The Services may contain links to third-party websites or services. This Policy does not apply to those third parties, and we are not responsible for their privacy practices. Review their policies before providing information.

12. Use of Chatbots or Artificial Intelligence

Our Services heavily rely on artificial intelligence (AI) technologies to generate Content, such as stock market information, investment tips, and personalized insights. This includes the use of AI models and automated chat features (sometimes referred to as "chatbots") that allow you to interact with the platform, ask questions, or receive responses in real time. These AI capabilities power core functionalities, including generating advice based on your queries, summarizing market data, or providing tailored recommendations.

These AI tools and chatbots are often hosted or powered by third-party providers (such as OpenAI, Google Gemini, or similar services). When you interact with these features — whether by typing a query, submitting a prompt, or engaging in a conversation — any text or data you input may be transmitted to these third-party providers to generate a response. The third-party providers process this input in accordance with their own privacy policies and terms of service. For example:

• OpenAI's privacy policy is available at openai.com/policies/privacy-policy.
• Google Gemini's privacy information is available at policies.google.com/privacy (specific to Gemini features).

We recommend that you do not submit any personal data (such as your name, financial details, email address, or other identifying information) when using these AI tools or chatbots. Inputs may be used by the third-party providers to train or improve their models, depending on their policies, and we have no control over such uses. While we strive to minimize the transmission of unnecessary personal data, the safest practice is to keep your queries general and avoid including sensitive information.

In some cases, your interactions (e.g., questions or prompts) may be used by us internally to refine the Services, improve AI accuracy, or generate aggregated insights, but we do so only in de-identified or anonymized forms where possible. We may also use your queries to provide personalized recommendations, such as suggesting related investment topics or additional Content features, based on patterns in your interactions.

If you have concerns about how your inputs are handled or wish to limit certain AI-related processing, contact us at the details in Section 13. We continue to evaluate and update our AI integrations to prioritize privacy and transparency.

13. Contact Us

If you have questions, concerns, or requests regarding this Policy or our privacy practices, please contact us at: Stoxie LLC, support@traydzee.com or at 5528 S Fort Apache Rd, Las Vegas, Nevada 89148.

Thank you for trusting us with your information. We are dedicated to maintaining your privacy and providing transparent practices.