Privacy Policy

Welcome to FundSageAI's Privacy Policy. We are committed to protecting your privacy and ensuring the security of your personal information. This policy explains how we collect, use, disclose, and safeguard your information when you use our Platform.

1. Information We Collect

Information You Provide:

• Email address and password (encrypted)
• First Name, Last Name, Mobile Number
• Subscription plan and payment information (via Payment Gateway)
• Mutual fund portfolio data and statements
• Transaction records and annotations
• Alert preferences and settings
• Risk Assessment Data
• Profile Picture

Information Collected Automatically:

• IP address and geographic location (approximate)
• Device type, browser, and operating system
• Usage data and feature interactions
• Session duration and navigation patterns
• Device fingerprint (for security)

Third-Party Data:

• Market data from financial data providers
• Payment status from our payment gateways

2. How We Use Your Information

We use your information to:

Product Improvement: We may reach out to you for feedback on product improvements.

Marketing: With your consent, we may use your email for promotional content, newsletters, and product updates. You can opt out anytime.

3. How We Share Your Information

✓ We DO NOT sell your personal information to third parties

We may share information with:

• Service Providers: Payments Gateway, email service providers
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In case of merger or acquisition (with notice to you)

All service providers are contractually obligated to protect your information.

4. Data Storage and Security

Storage Location & Retention

Your data is stored on Cloud servers located in India with enterprise-grade security. We retain your personal information indefinitely while your account is active. If you delete your account, your data will be disabled but may be retained for legal and accounting purposes.

Security Measures:

• HTTPS/TLS encryption for all data transmission
• Bcrypt password hashing with salt
• JWT-based authentication with session management
• Regular security audits and monitoring
• Account lockout after failed login attempts

5. Cookies and Tracking

We use cookies and similar tracking technologies to improve your experience:

• Essential Cookies (Required): Session management, authentication, security
• Functional Cookies: Remember your preferences and settings
• Analytics Cookies: Understand usage patterns and improve features

You can control cookies through your browser settings. Disabling cookies may limit Platform functionality.

6. Your Rights

All Users:

• Access: View your personal information in your account dashboard
• Correction: Update your account information anytime
• Deletion: Request account and data deletion
• Export: Download your portfolio data
• Opt-Out: Unsubscribe from marketing emails

🇪🇺 GDPR Rights (EU Users):If you're in the EU, you have additional rights including Right to Erasure, Restriction, Objection, and lodging complaints.
🇺🇸 CCPA Rights (California Users):California residents have the Right to Know, Delete, and Opt-Out of sale (which we don't do anyway).

To exercise your rights: Contact us at fundsageai@gmail.com.

7. Children's Privacy

FundSageAI is intended for users aged 18 years and older. We do not knowingly collect information from children under 18. If you're a parent and believe your child has provided us with information, contact us immediately at fundsageai@gmail.com, and we will delete it.

8. International Data Transfers

FundSageAI is accessible worldwide. Your information may be transferred to and processed in India and other countries. We use Standard Contractual Clauses (SCCs) and other approved mechanisms to ensure your data is protected. By using our Platform, you consent to the transfer of your information to countries outside your country of residence.

9. Data Breach Notification

In the event of a data breach affecting your personal information, we will notify you via email within 72 hours, provide details, inform you of mitigation steps, and notify regulatory authorities as required by law.

10. Changes to This Policy

We may update this Privacy Policy. When we make material changes, we will update the "Last Updated" date, notify you via email, and display a prominent notice. Continued use constitutes acceptance.

11. Contact Us

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

Support Email: fundsageai@gmail.com