Privacy Policy

1. Introduction

BlacQ Capital ("we", "our", or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our portfolio tracking and analytics platform.

2. Information We Collect

2.1 Account Information

• Name and email address (from Manus OAuth)
• User ID and authentication tokens
• Subscription tier and payment information

2.2 Portfolio Data

• Investment holdings (symbols, quantities, cost basis)
• Transaction history (buy/sell records)
• Account information (brokerage names, account types)
• Tax lot information
• Alert preferences and watchlists

2.3 Usage Data

• IP address and device information
• Browser type and version
• Pages visited and features used
• Time and date of access
• Referring website addresses

2.4 AI Interaction Data

• Chat messages and AI analysis requests
• Portfolio analysis history
• Generated insights and recommendations

3. How We Use Your Information

We use your information to:

• Provide and maintain the Service
• Calculate portfolio metrics and performance analytics
• Generate AI-powered insights and analysis
• Send price alerts and notifications (if enabled)
• Process subscription payments
• Improve and optimize the Service
• Detect and prevent fraud or abuse
• Comply with legal obligations
• Communicate with you about the Service

4. Third-Party Services

We use the following third-party services:

4.1 Authentication

• Manus OAuth: For user authentication and account management

4.2 Market Data

• Yahoo Finance API: For stock prices and market data
• CoinGecko API: For cryptocurrency prices

4.3 AI Services

• OpenAI (GPT-4): For portfolio analysis and AI insights

4.4 Payment Processing

• Stripe: For subscription payments and billing

4.5 Analytics

• Manus Analytics: For usage tracking and performance monitoring

These third-party services have their own privacy policies. We do not control and are not responsible for their privacy practices.

5. Data Security

We implement appropriate technical and organizational security measures to protect your data:

• Encryption in transit (HTTPS/TLS)
• Encryption at rest for sensitive data
• Secure authentication via OAuth
• Regular security audits and monitoring
• Access controls and audit logs
• Rate limiting and DDoS protection

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security of your data.

6. Data Retention

We retain your data for as long as your account is active or as needed to provide the Service. You may request deletion of your account and data at any time through the account settings.

After account deletion, we may retain certain data for:

• Legal compliance (tax records, audit logs)
• Fraud prevention
• Resolving disputes
• Enforcing our Terms of Service

7. Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate data
• Deletion: Request deletion of your account and data
• Export: Download your portfolio data (CSV/JSON)
• Opt-out: Disable email notifications and alerts
• Withdraw consent: Revoke permissions at any time

To exercise these rights, use the account settings or contact us at [email protected]

8. Cookies and Tracking

We use cookies and similar tracking technologies to:

• Maintain your login session
• Remember your preferences
• Analyze usage patterns
• Improve the Service

You can control cookies through your browser settings. Disabling cookies may affect functionality.

9. Children's Privacy

The Service is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected data from a child, please contact us immediately.

10. International Data Transfers

Your data may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or through the Service. The "Last Updated" date at the top indicates when the policy was last revised.

12. Contact Us

For questions about this Privacy Policy or our data practices, contact us at:

• Email: [email protected]
• Legal: [email protected]