2. Information we collect

2.1 Information you provide

• Account data: name, email address, phone number, Social Security number (SSN), date of birth, and government-issued identification.
• Verification data: documents used for KYC/AML compliance, such as passports and utility bills.

2.2 Automatically collected data

• Device and usage data: IP address, browser type, device identifiers, log files, and pages visited.
• Cookies and tracking: we use cookies to analyse trends and personalise content; see section 6.

2.3 Data from third parties

• Brokerage partners: trade-execution records and account balances.

3. How we use your information

• Provide, operate, and protect the platform.
• Verify your identity and meet legal obligations, including FINRA and SEC requirements.
• Process trades and generate tax documents.
• With your consent, send service updates, security alerts, or promotional offers.
• Improve platform functionality and the user experience.

4. How we share your information

We may disclose your information to:

• Regulators, when required by law, including the SEC, FINRA, and IRS.
• Service providers, including payment processors, cloud-hosting providers, and fraud-detection providers.
• Authorities for legal compliance, including in response to subpoenas, court orders, or legal investigations.
• We do not sell personal information to third parties for marketing purposes.

5. Data security

• We use SSL encryption, multi-factor authentication (MFA), and regular security audits.
• Sensitive data, including Social Security and bank-account information, is held in encrypted databases with restricted access.

6. Cookies and tracking technologies

• Essential cookies: required for platform functionality, such as login sessions.
• Analytics cookies: we use Google Analytics to track usage patterns; you can opt out through browser settings.
• Advertising cookies: where applicable, third-party advertising networks, such as DoubleClick, may be described here.

7. Your rights and choices

7.1 Access and correction

You can review or update your account information through the platform dashboard.

7.2 Data deletion

You can contact us to request deletion of non-essential data, subject to legally required retention periods.

7.4 CCPA rights (California residents)

• Request disclosure of the categories of data collected in the previous 12 months.
• Opt out of the ‘sale’ of personal information, where applicable.
• Exercise your rights without discrimination.

8. Data retention

We retain your information:

• While your account remains active.
• To meet legal obligations; for example, SEC Rule 17a-4 requires trade records to be retained for seven years.
• To resolve disputes or enforce agreements.

9. Children's privacy

The platform is not intended for people under 18. We do not knowingly collect data from minors.

10. International data transfers

Data is processed in the United States. By using the platform, you consent to the transfer and storage of data in the United States.

11. Changes to this policy

We will notify you of material changes by email or through the platform. Continued use means you accept those changes.