Privacy Policy

🔒 GDPR Compliant

This Privacy Policy complies with the General Data Protection Regulation (GDPR) and other applicable privacy laws. We are committed to protecting your personal data and respecting your privacy rights.

1. Information We Collect

Personal Information:

  • Name and email address (for account creation)
  • Portfolio data and investment preferences
  • Usage analytics and app interactions
  • Device information and IP address
  • Voice questions as text. Speech recognition runs on the device. The app does not upload that microphone audio. The text, and optional screen or portfolio context, is sent to our servers and may be sent to OpenAI to generate a reply. Spoken playback can be generated from text.

Financial Data:

  • Stock holdings and portfolio values
  • Investment decisions and preferences
  • Market data usage patterns
  • Risk tolerance assessments

2. How We Use Your Information

We use your personal information for the following purposes:

  • Provide and improve our portfolio management services
  • Personalize your investment experience
  • Send important service notifications
  • Analyze usage patterns to enhance our platform
  • Comply with legal and regulatory requirements
  • Prevent fraud and ensure platform security

3. Data Sharing and Disclosure

AI Capital does not sell personal data and does not disclose it for third-party advertising or cross-context behavioral advertising. Personal data is still collected to operate the app and is processed by the infrastructure and service providers needed to run it.

We may share your information only in the following limited circumstances:

  • With your explicit consent
  • To comply with legal obligations
  • With trusted service providers (under strict confidentiality agreements)
  • To protect our rights and prevent fraud
  • In case of business transfers (with notice to users)

4. Your Rights (GDPR)

Under GDPR, you have the following rights regarding your personal data:

Access & Portability

Request copies of your data and receive it in a portable format

Rectification

Correct inaccurate or incomplete personal data

Erasure

Request deletion of your personal data

Restriction

Limit how we process your personal data

5. Data Security

We implement industry-standard security measures to protect your data:

  • HTTPS for data sent between the app and our servers
  • Access controls on the account
  • Regular security audits and updates
  • Access controls and employee training

6. Data Retention

While the account is open, product analytics events are kept until their database expiry (default 548 days) and operations logs that are not tied to one account expire on a short schedule (default 7 days). When you delete the account in the app, or confirm the deletion link we email, we delete or irreversibly de-identify portfolios, device push tokens, product analytics events tied to that account, and the other records linked to that user id. The original email is not kept on the deleted account. The request is not treated as finished if linked records for that account are still present. The closed account email is deleted+userId@aicapital.local. That value still contains the account id and is not fully anonymous. Payment rows may keep the amount, currency, status, provider, provider transaction id, and the same account id after payload fields are removed, for accounting, reconciliation, legal obligations, and payment disputes. The provider transaction id can re-identify the payer through the payment processor. Those rows are not used for marketing. There is no automatic expiry on them. Shared market data is not deleted. A repeated deletion request for the same account does not restore or expose another person's data.

7. Cookies and Tracking

We use essential cookies for platform functionality and analytics cookies to improve our services. You can manage cookie preferences in your browser settings. We do not use tracking cookies for advertising purposes.

8. International Transfers

Your data may be transferred to and processed in countries outside your residence. We ensure appropriate safeguards are in place, including Standard Contractual Clauses (SCCs) and adequacy decisions from the European Commission.

9. Children's Privacy

Our service is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we become aware of such collection, we will delete the information immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes via email or through our platform. Your continued use of the service constitutes acceptance of the updated policy.

11. Contact Information

For privacy-related questions, data requests, or to exercise your rights, please contact us at:
Data Protection Officer: privacy@ai-capital.info
General Privacy Inquiries: legal@ai-capital.info
Last updated: January 2025

AI Capital provides informational analytics and decision-support tools. Model outputs may be incomplete, delayed, or incorrect. Not investment advice, not portfolio management, and not an offer to buy or sell securities. No brokerage or custody. Use requires independent judgment.