Privacy Policy

1. Introduction

Fintrinsic ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our equity research platform and services. Please read this policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

2. Information We Collect

2.1 Personal Information

When you create an account or use our services, we may collect:

• Email address
• Name (if provided)
• Payment information (processed securely through Stripe)
• OAuth credentials (for Google and GitHub sign-in)

2.2 Usage Information

We automatically collect certain information when you use our services:

• Search queries and ticker symbols analyzed
• Report generation history
• Device information (browser type, operating system)
• IP address and geolocation data
• Usage patterns and preferences

2.3 Cookies and Tracking Technologies

We use cookies, localStorage, and similar technologies to enhance your experience, remember your preferences, and analyze site usage. You can control cookie settings through your browser.

3. How We Use Your Information

We use collected information for the following purposes:

• To provide, operate, and maintain our services
• To process your subscriptions and payments
• To enforce rate limiting and prevent abuse
• To personalize your experience and improve our services
• To communicate with you about updates, offers, and support
• To analyze usage patterns and optimize performance
• To detect and prevent fraud, security threats, or illegal activity
• To comply with legal obligations

4. Data Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: We share data with third-party vendors who help us operate our services (e.g., Stripe for payments, Vercel for hosting, Upstash for caching)
• OAuth Providers: When you sign in with Google or GitHub, we receive limited profile information per their policies
• Legal Requirements: We may disclose information if required by law, subpoena, or legal process
• Business Transfers: If we undergo a merger, acquisition, or asset sale, your information may be transferred
• With Your Consent: We may share information with third parties when you explicitly consent

5. Third-Party Services

Our services integrate with third-party platforms:

• Financial Modeling Prep (FMP): Provides market data and company fundamentals
• Stripe: Processes payments securely (we do not store credit card information)
• Google OAuth: Enables Google sign-in authentication
• GitHub OAuth: Enables GitHub sign-in authentication
• OpenAI: Powers AI-generated insights (data is processed per OpenAI's privacy policy)
• Clearbit: Provides company logos

Each third party has its own privacy policy governing how they handle data. We encourage you to review their policies.

6. Data Security

We implement industry-standard security measures to protect your information:

• SSL/TLS encryption for data transmission
• Secure authentication via OAuth and NextAuth.js
• Database encryption at rest
• Regular security audits and monitoring
• Access controls and principle of least privilege

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal, accounting, or reporting requirements
• Resolve disputes and enforce our agreements

When you close your account, we will delete or anonymize your personal information within a reasonable timeframe, unless we are required to retain it for legal or security purposes.

8. Your Rights and Choices

Depending on your location, you may have certain 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
• Portability: Request transfer of your data to another service
• Objection: Object to processing of your personal information
• Withdrawal of Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us at the email address provided below.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately, and we will take steps to delete such information.

10. International Data Transfers

Your information may be transferred to and maintained on servers located outside your jurisdiction where data protection laws may differ. By using our services, you consent to such transfers. We take appropriate safeguards to ensure your data remains protected in accordance with this Privacy Policy.

11. Educational Use and Investment Disclaimer

IMPORTANT: Fintrinsic is provided for educational and informational purposes only. Our reports, analyses, and AI-generated insights do not constitute investment advice, financial advice, or recommendations to buy, sell, or hold any securities.

Investment Risk: All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. You should consult with a qualified financial advisor before making any investment decisions.

Data Accuracy: While we strive for accuracy, financial data may be delayed, incomplete, or contain errors. We rely on third-party data providers and cannot guarantee the accuracy or timeliness of information presented.

AI Limitations: AI-generated content may contain errors, biases, or hallucinations. Always verify critical information independently and use multiple sources for investment research.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

14. GDPR Rights (European Users)

If you are located in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR):

• Right to be informed about data collection and use
• Right of access to your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Rights related to automated decision-making

15. CCPA Rights (California Users)

If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with specific rights:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to access your personal information
• Right to equal service and price
• Right to deletion of personal information

Note: We do not sell personal information to third parties.

16. Your Consent

By using our services, you consent to this Privacy Policy and agree to its terms. If you do not agree, please discontinue use of our services immediately.