This Privacy Policy should match the actual app behavior at launch. Update it before adding analytics, crash reporting, push notifications, AI vendors, or new payment channels.
1. Overview
This Privacy Policy explains how OptionExpert collects, uses, discloses, and protects information when you use our website, mobile applications, APIs, subscriptions, data displays, alerts, analytics tools, and related services (collectively, the "Service").
2. Information We Collect
Depending on how you use the Service, we may collect:
- account information, such as email address, account ID, display name, login status, and authentication records;
- subscription information, such as subscription plan, trial status, renewal status, cancellation status, entitlement status, and billing period;
- payment-related identifiers, such as PayPal payment ID, subscription ID, order ID, transaction status, and related payment identifiers;
- watchlists, favorite symbols, saved strategies, alert settings, app preferences, theme settings, language settings, and notification settings;
- device and technical information, such as device type, operating system, app version, browser type, IP address, time zone, language, crash logs, diagnostics, and performance logs;
- usage information, such as pages opened, tickers viewed, options chains requested, alerts configured, subscription features used, and approximate session activity;
- support communications, such as messages you send us, attachments, and related troubleshooting details.
We do not collect or store your full payment card number or PayPal login credentials. Payment processing is handled by PayPal or another third-party payment processor, and we store only payment-related identifiers needed to manage your subscription.
3. How We Use Information
We use information to:
- create, authenticate, secure, and manage accounts;
- provide watchlists, alerts, charts, options tools, market data displays, news, AI briefs, and paid features;
- confirm payment status, manage subscriptions, enforce trials, process cancellations, and provide support;
- prevent abuse, fraud, unauthorized access, data scraping, account sharing, and security incidents;
- monitor service health, debug errors, improve performance, and develop features;
- send administrative messages, product updates, security notices, and support responses;
- comply with legal, regulatory, tax, accounting, payment processor, data provider, and security obligations.
4. How We Share Information
We may share information with:
- payment processors such as PayPal to process payments and manage subscriptions;
- cloud hosting, database, infrastructure, security, and monitoring providers that help operate the Service;
- market data, options data, news, analytics, AI, and content providers when needed to provide or improve the Service;
- analytics and crash reporting providers if we add those tools in the future;
- professional advisers such as legal, accounting, compliance, or security advisers;
- law enforcement, regulators, courts, payment processors, or other parties when required by law, legal process, fraud prevention, security, or enforcement of our agreements.
We do not sell your personal information as a standalone product. If this changes, we will update this Privacy Policy and provide any required choices.
5. Payments
Payments are processed by PayPal or another payment processor. Your payment information is subject to the payment processor's terms and privacy policy. We receive limited information needed to confirm payment status, manage subscriptions, prevent fraud, and provide support.
6. Data Providers and Third-Party Content
The Service may use third-party data providers, news providers, AI providers, cloud services, analytics services, and other integrations. Those providers may process technical or usage information according to their own terms and policies.
7. Data Retention
We retain information for as long as reasonably necessary to provide the Service, maintain accounts, manage subscriptions, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud, and maintain security.
Retention periods may vary. For example:
- account and subscription records may be retained while your account is active and for a reasonable period afterward;
- payment identifiers and billing records may be retained as needed for accounting, tax, dispute, fraud prevention, and compliance purposes;
- logs and diagnostic data may be retained for a limited period unless needed for security, debugging, legal, or operational reasons;
- watchlists and settings may be retained until you delete them or close your account, subject to backups and legal requirements.
8. Security
We use reasonable administrative, technical, and organizational measures designed to protect information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
9. Your Choices and Rights
Depending on your location and applicable law, you may have rights to access, correct, delete, export, or restrict the use of your personal information. You may also be able to object to certain processing or withdraw consent where processing is based on consent.
You may request account deletion, data export, or privacy support by contacting support@optionexpert.net. We may need to verify your identity before fulfilling a request.
10. Marketing Communications
If we send marketing emails, you may unsubscribe using the instructions in the email. We may still send non-marketing messages, such as account, payment, security, legal, and service notices.
11. International Users
The Service may be operated from, and information may be processed in, countries other than your country of residence. Data protection laws may differ from those in your location.
12. Children
The Service is not intended for children under 13 or for any person under the age required by applicable law to use financial analytics services. We do not knowingly collect personal information from children.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The updated version will be posted on our website or in the Service. The effective date will indicate when it was last updated.
14. Contact
Questions or requests about this Privacy Policy may be sent to support@optionexpert.net.