Privacy Policy for StockPriceCatalyst.com

Effective Date: September 27, 2025

At StockPriceCatalyst.com ("we," "our," or "us"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard data when you use our Platform (www.StockPriceCatalyst.com). By using the Platform, you consent to these practices.

The Platform is available only to residents in the United States, Canada, Central America, South America, and Asia. Access from the EU/EEA is geoblocked under the exemption in Regulation (EU) 2018/302 (Art. 3.2.b), as a financial service under MiFID II (investment analysis). We comply with CCPA/CPRA (California), PIPEDA (Canada), LGPD (Brazil), and equivalent laws in other American countries.

1. Information We Collect
We collect:

- **Account Data**: Email address and password (hashed) for registration and login.
- **Payment Data**: For subscriptions, we process card number, expiration, CVV, and name via Stripe (we do not store full card details; Stripe handles PCI compliance).
- **Usage Data**: IP address, browser type, pages visited, and interaction logs (via cookies/analytics).
- **Pre-Registration Data**: Email only for the first 100 free users.
- **No Sensitive Data**: We do not collect health data, financial account details (beyond Stripe), or biometrics.

We do not collect data from minors.

2. How We Use Your Information
We use data to:

- Provide and improve the Service (e.g., personalize watchlists, future report delivery).
- Process subscriptions and payments (via Stripe).
- Communicate (e.g., password resets, billing updates).
- Analyze usage for Platform improvements (anonymized).
- Comply with legal obligations (e.g., tax reporting).

For pre-registered free users: Email is used only for access confirmation and Platform updates.

3. Cookies and Tracking Technologies
We use cookies for essential and analytics functions. See our Cookie Policy for details. For California residents: Opt-out of the sale of data under CCPA via footer link.

4. Sharing Your Information
We share data only when necessary:

- **Service Providers**: Stripe (payments), hosting providers, email services (e.g., for future report delivery via email).
- **Social Integration**: We use x.com (Twitter) for sharing Platform information links, but we never share user data.
- **Legal**: To comply with laws, subpoenas, or protect rights.
- **Business Transfer**: In case of merger/sale.

We share with U.S.-based providers (Stripe), complying with CCPA/PIPEDA/LGPD. We do not share for marketing without consent.

5. Data Retention
We retain data while your account is active, plus 30 days post-cancellation for backups. Payment data per Stripe's policy (typically 6 years for audits). You may request deletion.

6. Your Rights and Options
- **Access/Update/Deletion**: Request via support@StockPriceCatalyst.com.
- **CCPA/CPRA (California)**: Right to know, delete, opt-out of sale (we do not sell data), and non-discrimination. Request via support@StockPriceCatalyst.com.
- **PIPEDA (Canada)**: Access, correction, complaints to the Privacy Commissioner.
- **LGPD (Brazil)**: Access, anonymization, portability; contact ANPD for complaints.
- **Other American Countries**: Equivalent local rights.

We respond to verified requests within 30-45 days.

7. Security
We use reasonable measures (e.g., encryption, access controls) to protect data. However, no system is 100% secure; notify us of breaches.

8. International Users
The Platform is hosted in the U.S. For transfers (e.g., Canada/Brazil), we use appropriate mechanisms (e.g., SCC equivalents under PIPEDA/LGPD).

9. Children's Privacy
The Platform is not for children under 13 (COPPA). We do not knowingly collect their data.

10. Changes to this Policy
We may update this Policy. Material changes will be notified via email or Platform. Continued use means acceptance.

11. Contact Us
For privacy questions: support@StockPriceCatalyst.com. For CCPA: Check oag.ca.gov/privacy/ccpa. For PIPEDA: pipeda.gc.ca. For LGPD: anpd.gov.br.

Last Updated: September 27, 2025