Privacy Policy

This Privacy Policy explains how DivTracker ("we", "us") collects, uses, and shares information about you when you use our website and applications (the "Service"). It applies to our web app and any mobile or other platforms where DivTracker is made available.

Your Consent

By using the Service, you agree to the collection and use of information in accordance with this policy.

Information We Collect

The information we collect depends on how you use the Service. In general, we collect the following categories of information:

• Account information: If you create an account, we may collect your email address, password (hashed), authentication identifiers, and account settings.
• Portfolio and transaction data: When you add holdings or connect a brokerage, we process portfolio, holdings, positions, transactions, and related market data necessary to provide the Service.
• Brokerage connection data: If you connect via third-party providers (e.g., Plaid or SnapTrade), we receive data those providers make available in accordance with their policies and your permissions.
• Usage data: We may collect anonymized or aggregated analytics about feature usage to help improve the Service.
• Device and technical data: Such as browser type, operating system, IP address, and app version, to maintain security and performance.
• Cookies and similar technologies: We may use cookies or similar technologies on the website to remember preferences and understand aggregate usage. You can control cookies via your browser settings.

Account Creation and Deletion

You may create an account using email and password or other supported sign-in methods. You can delete your account at any time in the app. Deleting your account removes your personal account information from our active systems, subject to any data we must retain for legal, security, or fraud prevention purposes.

How We Use Information

We use information to provide, maintain, and improve the Service; personalize your experience; provide customer support; monitor security and reliability; comply with legal obligations; and communicate with you about updates, new features, and policy changes.

We do not sell your personal information. We do not share personal information with outside parties except to the extent necessary to operate the Service or as described in this policy. We may share anonymous or aggregated statistics at any time.

We may disclose information if required by law, to protect our rights or the rights of others, or to investigate and prevent fraud, abuse, or security incidents.

In the event of a merger, acquisition, reorganization, or sale of assets, user information may be transferred as part of the transaction.

Analytics

We may collect aggregate, anonymous statistics about feature usage to help us improve the Service.

Payments on the Website

We may provide paid products and/or services. We use third-party services for payment processing. We do not store or collect your payment card details. That information is provided directly to our payment processor(s), whose use of your information is governed by their privacy policy. The processor we work with is:

Lemon Squeezy

Lemon Squeezy is our merchant of record. Their privacy policy can be viewed at https://www.lemonsqueezy.com/privacy

Security

We implement measures designed to protect your information, including encryption in transit (HTTPS) and access controls. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Third-Party Links and Content

The Service may display links and content from third parties. Those providers have their own privacy policies, and we are not responsible for their content or practices.

Brokerage Connections via Plaid or SnapTrade

Necessary Data Retrieval

We download only essential portfolio, holding, and transaction data required for core functionality and a personalized experience.

Plaid End User Privacy Policy

Your use of Plaid is subject to Plaid's privacy practices. See Plaid End User Privacy Policy

SnapTrade Privacy Policy

If you use SnapTrade, your use is subject to SnapTrade's Terms of Service (which include their privacy practices). See SnapTrade End User Terms and Conditions

User Consent and Responsibility

Consent to Data Retrieval

By connecting via Plaid or SnapTrade, you consent to the retrieval of necessary portfolio, holding, and transaction data as described here.

Review of Third-Party Privacy Policies

You are responsible for reviewing and understanding the privacy practices outlined in Plaid's End User Privacy Policy and SnapTrade's Terms of Service.

Disclaimer

We are committed to privacy and security within our application. Plaid and SnapTrade are separate providers with their own policies; we are not responsible for their handling of data. By using these connections, you acknowledge and accept their practices. Please review their policies for details on how your data is handled.

Legal Bases (EEA/UK)

If you are in the EEA or UK, we process personal data only when we have a legal basis, including: to perform our contract with you (provide the Service), with your consent, to comply with legal obligations, and for our legitimate interests (e.g., improving and securing the Service) where those interests are not overridden by your rights.

International Transfers of Information

Information may be processed, stored, and used outside of your country. Where required, we use appropriate safeguards for international transfers.

Data Retention

We retain personal information only as long as necessary to provide the Service and for legitimate and essential business purposes, such as maintaining security, complying with legal obligations, and resolving disputes.

Your Rights

Depending on your location, you may have rights such as access, correction, deletion, objection/opt-out, restriction, and data portability. You can exercise many of these rights via in-app settings (e.g., account deletion) or by contacting us.

Contacting Us

If you have questions about this policy or our privacy practices, contact support@divtracker.app. For security reasons, please perform account deletion via in-app settings rather than email.

Changes to This Policy

We may update this policy from time to time. We will post the updated policy on this page and update the effective date below.

23rd December, 2024