Privacy Policy

1. Introduction

Margin Invest (“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 and services (collectively, the “Service”).

By using the Service, you consent to the data practices described in this policy. If you do not agree, please do not use the Service.

2. Information We Collect

Information you provide:

• Account information (name, email address) via OAuth or email registration
• Billing information (processed by Stripe; we do not store full card numbers)
• Watchlist tickers and portfolio preferences
• Support inquiries and correspondence

Information collected automatically:

• Usage data (pages visited, features used, timestamps)
• Device and browser information (type, operating system, screen resolution)
• IP address and approximate geolocation
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the Service
• Process subscriptions and payments
• Personalize your experience (watchlists, preferences)
• Send transactional communications (receipts, security alerts)
• Analyze usage patterns to improve the Service
• Detect and prevent fraud, abuse, and security incidents
• Comply with legal obligations

We do not use your personal information to provide personalized investment recommendations. All scoring and analytical outputs are generated by deterministic models that do not incorporate individual user data.

4. How We Share Your Information

We do not sell your personal information to third parties.

We may share your information with:

• Service providers: Stripe (payments), authentication providers (OAuth), hosting and infrastructure providers, analytics services
• Legal compliance: When required by law, subpoena, court order, or government request
• Business transfers: In connection with a merger, acquisition, or sale of assets, subject to standard confidentiality agreements

Aggregated, de-identified data that cannot reasonably be used to identify you may be used for analytical and product improvement purposes.

5. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal retention requirements
• Portability: Request a machine-readable copy of your data
• Opt-out: Opt out of marketing communications at any time

California residents (CCPA/CPRA): You have the right to know what personal information is collected, request its deletion, and opt out of its sale. We do not sell personal information. To exercise your rights, contact us at the email below.

To exercise any of these rights, email legal@margin-invest.com. We will respond within 30 days (or as required by applicable law).

6. Cookies and Tracking

We use cookies and similar technologies to maintain session state, remember preferences, and analyze usage. You can control cookies through your browser settings, though disabling cookies may affect the functionality of the Service.

We use the following types of cookies:

• Essential cookies: Required for authentication and core functionality
• Analytics cookies: Help us understand how the Service is used

7. Data Security

We implement industry-standard security measures to protect your personal information, including encryption in transit (TLS), secure authentication (OAuth, JWT), and access controls.

No method of electronic storage or transmission is 100% secure. While we strive to protect your information, we cannot guarantee its absolute security.

8. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. Upon account deletion, we will delete or anonymize your personal information within 90 days, except where retention is required by law or for legitimate business purposes (e.g., fraud prevention, legal compliance).

Aggregated, de-identified data may be retained indefinitely for analytical purposes.

9. Children's Privacy

The Service is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us and we will promptly delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised “Last updated” date. Continued use of the Service after changes are posted constitutes acceptance of the revised policy.

11. Contact

For privacy-related questions, data requests, or concerns, contact: legal@margin-invest.com