Privacy Policy

Krushil, LLC ("we," "us," or "our") operates the InvestIQ platform ("Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

1. Information We Collect

Personal Information

We may collect personally identifiable information that you voluntarily provide, including:

• Name and email address
• Account credentials (passwords are encrypted)
• Profile information (age, life stage, experience level)
• Financial goals and risk tolerance preferences

Financial Information

To provide our portfolio tracking services, we collect:

• Portfolio holdings and allocations
• Investment transactions (manually entered)
• Financial goals and target amounts
• Investment preferences and strategies

Automatically Collected Information

When you access our Service, we may automatically collect:

• Device and browser information
• IP address and location data
• Usage patterns and feature interactions
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the collected information for:

• Providing and maintaining our Service
• Personalizing your experience and recommendations
• Processing AI-powered analysis of your portfolio
• Sending important notifications and updates
• Improving our Service and developing new features
• Ensuring security and preventing fraud
• Complying with legal obligations

3. AI Processing and Third-Party Services

Our Service uses artificial intelligence to provide investment analysis. This involves:

OpenAI

We use OpenAI's API to generate investment analysis and recommendations. When you request AI analysis, relevant portfolio data may be sent to OpenAI for processing. OpenAI's privacy policy applies to their processing of this data.

Other Third-Party Services

• Vercel: Hosting and deployment
• Railway: Database hosting
• Resend: Email delivery for notifications

4. Data Security

We implement appropriate security measures to protect your information:

• Encrypted data transmission (HTTPS/TLS)
• Encrypted password storage (bcrypt hashing)
• Two-factor authentication (MFA) option
• Regular security assessments
• Access controls and authentication

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. You may request deletion of your account and associated data at any time.

6. Your Rights and Choices

Depending on your location, you may have the following rights:

• Access: Request a copy of your personal data
• Correction: Update inaccurate information
• Deletion: Request deletion of your data
• Portability: Export your data in a common format
• Opt-out: Unsubscribe from marketing communications

7. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a minor, please contact us immediately.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers.

9. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to know whether personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

We do not sell your personal information.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:

Krushil, LLC
Email: privacy@ai-investiq.com