Privacy Policy

We collect information you provide directly to us, such as when you:

• Create an account or update your profile
• Subscribe to our services or newsletters
• Participate in our community forum
• Contact us for support or feedback
• Use our AI chat features
• Create, publish, subscribe to, follow, compare, or track portfolios

Personal Information

• Name, email address, and username
• Profile information and preferences
• Payment information processed securely by Stripe
• Communication preferences

Portfolio Information

• Portfolio names, descriptions, holdings, allocation information, preferences, publish status, subscription choices, follow status, tracking activity, comparison activity, and related performance information
• Portfolio-related comments, forum activity, likes, reactions, and other content you choose to publish or share

Usage Information

• Pages visited and features used
• Search queries and interactions
• AI chat conversations and usage patterns
• Device information and browser type
• Log data, cookie identifiers, and security signals

Information We Do Not Intentionally Collect

CognitMarket does not currently provide brokerage-account connection, custody, clearing, order-routing, or trade-execution functionality. We do not intentionally collect brokerage account credentials, brokerage account numbers, brokerage balances, buying power, brokerage orders, brokerage transactions, or brokerage execution records through a brokerage connection feature.

We use the information we collect to:

• Provide, maintain, and improve our services
• Process subscriptions and send related information
• Send you technical notices, updates, and support messages
• Deliver personalized content and recommendations
• Generate AI-powered insights and analysis
• Provide portfolio creation, analysis, publishing, subscription, following, comparison, and tracking features
• Monitor and analyze usage patterns and trends
• Detect, investigate, and prevent fraudulent activities
• Secure the Service and prevent unauthorized access
• Comply with legal, tax, accounting, and operational obligations

CognitMarket uses artificial intelligence and machine learning technologies. We want you to understand how this affects your data:

• Your interactions may be used to improve our services
• Chat conversations are analyzed to provide better responses
• Usage patterns help us personalize your experience
• Portfolio information may be processed to provide portfolio-related features, analysis, summaries, and user-requested functionality
• We do not use payment information, account credentials, or sensitive financial information to train public AI models
• All AI processing follows privacy, security, and data-minimization practices appropriate to the feature

You should not submit sensitive financial-account information in prompts, chats, comments, support requests, or portfolio descriptions unless necessary.

We do not sell, trade, or otherwise transfer your personal information to third parties except as described below:

Service Providers

We may share information with trusted third-party service providers who assist us in operating our platform, including:

• Payment processing, including Stripe
• Email delivery services
• Cloud hosting and storage
• Analytics and monitoring tools
• Security and fraud-prevention providers
• AI model and infrastructure providers
• Market-data and news providers

Published and Shared Portfolio Content

If you publish a portfolio or participate in public portfolio-related features, information such as portfolio name, description, holdings, allocations, performance summaries, author profile details, and related forum content may be visible to other users, the public, or search engines. Do not publish information that you consider private or sensitive.

Legal Requirements

We may disclose information if required by law, in response to valid legal requests, to enforce our terms, to protect the Service, or to detect, investigate, and prevent fraud, abuse, or security incidents.

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption of data in transit and at rest where appropriate
• Regular security assessments and updates
• Access controls and authentication measures
• Secure payment processing through Stripe
• Logging, monitoring, backups, and disaster recovery procedures

No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

We retain your information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. Specifically:

• Account information: Until you delete your account
• Portfolio records: As needed to provide portfolio features, maintain account history, support moderation, resolve disputes, and protect the Service
• Published content: While published and for a reasonable period afterward for moderation, legal, security, or operational purposes
• Chat conversations: Up to 2 years for service improvement
• Usage analytics: Up to 5 years in aggregated form
• Legal compliance data: As required by applicable laws

You have the following rights regarding your personal information, subject to applicable law:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data
• Opt-out: Unsubscribe from marketing communications

To exercise these rights, please contact us through our contact page.

We use cookies and similar technologies to:

• Remember your preferences and settings
• Analyze site usage and performance
• Provide personalized content
• Ensure security and prevent fraud
• Support marketing or attribution where permitted

You can control cookies through your browser settings, but some features may not work properly if cookies are disabled. Depending on how our advertising, analytics, cookie, or attribution tools are configured, certain disclosures of identifiers, internet activity, or device information may be considered a sale, sharing, or targeted advertising under some state privacy laws. If applicable, we will provide a Do Not Sell or Share My Personal Information or equivalent opt-out mechanism.

Our service may contain links to third-party websites or services. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

Our service is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected such information, we will take steps to delete it.

Your information may be transferred to and processed in countries other than your own. We use appropriate safeguards where required by applicable law.

We may update this privacy policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date.

If you have any questions about this Privacy Policy, please contact us through our contact page.