Privacy Policy

This Privacy Policy describes how Golden Ears Finance ("we," "us," or "our") collects, uses, and handles information when you use our website, application, and related services (collectively, the "Service"). By using the Service, you acknowledge that you have read and understood this Privacy Policy.

This Privacy Policy applies to:

• The Golden Ears Finance website and web application
• All features, tools, and services provided through the platform
• Both authenticated (logged-in) and unauthenticated users

Golden Ears Finance is a financial research and market intelligence application. We do not provide financial advice, brokerage services, or trading capabilities.

2.1 Account Information

When you create an account, we collect:

• Email address
• Authentication identifiers (such as OAuth tokens from Google)
• Display name or username (if provided)

2.2 Subscription and Billing Data

• Subscription status and plan type
• Billing cycle and payment history metadata
• Trial status and expiration dates

2.3 Usage Data

• Pages and features accessed
• Actions taken within the application
• Timestamps and session duration
• Watchlists, alerts, and user preferences

2.4 Device and Technical Data

• Browser type and version
• Operating system
• IP address (in server logs)
• Device identifiers
• Screen resolution and viewport size

2.5 Attribution Data

When you arrive via marketing channels, we may collect:

• UTM parameters (source, medium, campaign, content, term)
• Click identifiers (fbclid, ttclid, gclid) from advertising platforms
• Referring URL and landing page

• Banking credentials or account numbers
• Brokerage account access or login credentials
• Trading platform passwords or API keys (except user-provided AI keys stored encrypted for their own use)
• Government-issued identification documents
• Social Security numbers or tax identification numbers
• Credit card numbers or CVV codes (handled by Stripe)

We use collected information for the following purposes:

• Account Management: To create, maintain, and authenticate your account
• Service Delivery: To provide features, content, and functionality
• Subscription Management: To process billing, manage trials, and handle cancellations
• Product Improvement: To analyze usage patterns and improve the Service
• Security: To detect fraud, prevent abuse, and protect user accounts
• Communications: To send service-related notifications and updates
• Legal Compliance: To comply with applicable laws and respond to legal requests

Golden Ears Finance uses artificial intelligence and automated systems to:

• Generate market summaries, narratives, and analysis
• Extract stock tickers from news articles
• Provide alerts and notifications
• Categorize and organize content

You should be aware that:

• AI-generated content is for informational purposes only
• AI outputs may be inaccurate, incomplete, or outdated
• Automated systems do not make investment decisions on your behalf
• You are responsible for verifying all information before acting on it

Market data, stock quotes, and financial information displayed in the Service may be sourced from third-party providers. We do not control:

• The accuracy, completeness, or timeliness of third-party data
• The privacy practices of third-party data providers
• Data delays or interruptions from external sources

We are not responsible for the privacy practices or data handling of any third-party services from which we obtain data.

We may share information with the following categories of recipients:

7.1 Service Providers

• Stripe: For payment processing and subscription management
• Infrastructure Providers: For hosting, databases, and logging
• Analytics Tools: For understanding usage patterns (aggregated data)

7.2 Legal Requirements

We may disclose information if required by law, legal process, or government request, or to protect our rights, property, or safety.

7.3 What We Do NOT Do

• We do not sell your personal data to third parties
• We do not share data for third-party targeted advertising beyond attribution tracking
• We do not provide data to data brokers or resellers

We use cookies and similar technologies for:

• Authentication: To keep you logged in
• Session Management: To maintain your session state
• Preferences: To remember your settings and preferences
• Attribution: To track marketing source for new users

You may disable cookies in your browser settings, but this may result in degraded functionality or inability to use certain features.

We retain data as follows:

• Account Data: Retained while your account is active and for a reasonable period thereafter
• Subscription Records: Retained as required for accounting, tax, and legal purposes
• Usage Logs: Retained temporarily for security, diagnostics, and performance analysis
• Server Logs: Retained for up to 90 days for security and troubleshooting

Upon account deletion request, we will remove your personal data within a reasonable timeframe, except where retention is required by law.

You are responsible for:

• Providing accurate information when creating your account
• Maintaining the security of your account credentials
• Not submitting sensitive personal data (such as health or financial credentials) through the application
• Reviewing your account settings and preferences

We implement reasonable administrative, technical, and physical safeguards to protect your information, including:

• Encryption of data in transit (HTTPS)
• Secure authentication mechanisms
• Access controls and monitoring
• Encryption of sensitive stored data (such as API keys)

However, no system is 100% secure. We cannot guarantee absolute security against unauthorized access, data breaches, or other security incidents.

Golden Ears Finance operates globally. Your data may be processed in jurisdictions outside your country of residence, including the United States and other countries where our service providers operate.

By using the Service, you consent to the transfer and processing of your information in these jurisdictions, which may have different data protection laws than your country.

The Service is not intended for users under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child under 18, we will take steps to delete such information.

We may update this Privacy Policy from time to time. When we do, we will:

• Revise the "Effective Date" at the top of this page
• Post the updated policy on this page

Your continued use of the Service after any changes constitutes acceptance of the updated Privacy Policy. We encourage you to review this policy periodically.

For questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: privacy@goldenearsfinance.com