Privacy Policy

1. Introduction

  • Effective Date: April 9, 2025
  • This Privacy Policy governs the use of InvestWiseAI.

2. Types of Data Collected

Personal Information:

  • User-provided data: Name, email address, contact information, profile details.
  • Financial Data: Investment preferences, risk tolerance, transaction history, account balances.
  • Payment Information: Securely handled credit card details, billing address via third-party processors.
  • App Usage Data: Login details, session duration, app interactions, search queries, investment selections, device type, OS, unique device identifiers.
  • AI-Specific Data: User inputs for ESG analysis, investment queries, and AI-generated outputs (recommendations, ESG scores, reports).
  • Location Data: Collected only with explicit user consent for location-based features.

We strive to collect only the data necessary to provide and improve our services (data minimization).

3. Purpose of Data Collection

We collect data to:

  • Provide personalized investment and ESG insights.
  • Enhance app functionality and AI model accuracy.
  • Facilitate communication, account management, and payments.
  • Conduct research and maintain compliance with regulations.
  • Detect and prevent unauthorized access and fraud.

4. Data Sharing and Disclosure

Third-Party AI Platforms:

  • User inputs shared securely with platforms such as ChatGPT to generate AI-driven insights.
  • Payment Processors: Payment data securely processed by trusted third parties.
  • Analytics Providers: Usage data shared with analytics tools (e.g., Google Analytics).
  • Service Providers: Data shared with service providers for hosting, data storage, email communication, and customer support.

Legal Compliance: Data disclosed as required by law or for user safety.

Business Transfers: Data may transfer during mergers or acquisitions.

5. User Rights

Users may:

  • Access, correct, or request deletion of personal data.
  • Opt-out from marketing and non-essential data sharing.
  • Request data portability in JSON or CSV format by contacting support.
  • Withdraw consent anytime for sensitive data processing.
  • Exercise rights under GDPR and CCPA.

6. Data Storage and Security

  • Data is stored securely on cloud servers with encryption (at rest and in transit), strict access controls, firewalls, intrusion detection systems, and regular security audits.
  • Personal and financial data are retained only as long as necessary to provide services or comply with legal requirements, typically for a period of up to five years after account closure.
  • We conduct regular security audits and vulnerability assessments to protect user data.

7. Cookies and Tracking Technologies

  • We use various types of cookies including essential, performance, and functional cookies.
  • Essential cookies ensure the proper functioning of the app, while performance and functional cookies assist in analytics and user personalization.
  • Users can manage preferences for non-essential cookies via app settings.

8. AI-Specific Clauses

  • AI Usage: Clearly outlined use of AI models.
  • Data Training: User data is not used to train or enhance AI models without explicit, informed consent.
  • Data Anonymization: User inputs are anonymized before sharing with AI platforms.
  • User Control: Users manage their interaction with AI features.
  • AI Limitations: AI-generated advice is informational, not a substitute for professional financial guidance.

9. Children's Privacy

  • InvestWiseAI is not intended for users under the age of 18.
  • We do not knowingly collect data from minors.
  • We take reasonable steps to verify user age and will delete any data collected from minors upon discovery.

10. Data Breach Notification

In the event of a data breach, affected users will be notified within 72 hours (or as required by applicable law) as required by GDPR and other applicable regulations.

11. Legal Jurisdiction

This Privacy Policy is governed by the laws of the State of Michigan, USA.

12. Contact Information

For privacy inquiries: