Effective date: July 21, 2026

This Privacy Policy explains how Stocks AI Hub ("we", "us", "our") collects, uses, discloses, and protects your information when you use the Stocks AI Hub mobile application and related services (the "App"). By using the App you agree to the practices described here. If you do not agree, please do not use the App.

1. Scope

This Policy applies to information processed through the App and our supporting infrastructure. It does not apply to third-party services you interact with through the App — such as your brokerage, the account-aggregation provider, or the Apple App Store and Google Play — which are governed by their own privacy policies.

2. Information We Collect

Information you provide directly:

• Account details: name, email address, country, and password (stored only in hashed form — we cannot see your password).
• Profile choices: avatar style, market preference (India/US), theme, and notification preferences.
• Financial-interest data you create: watchlists, portfolios and the stocks in them, price alerts and their targets, favorites, and screener filters.
• Community content: posts, comments, game picks, and related activity, if you use community features.
• Support communications: messages you send to support@stocksaihub.com.

Information collected automatically:

• Device and technical data: device model, operating system and version, app version, language, time zone, IP address, and push-notification tokens.
• Usage and diagnostic data: feature usage events, error and crash logs, and performance diagnostics used to keep the App reliable.

Information from third parties (only if you enable it):

• Brokerage holdings: if you connect a brokerage account through our third-party aggregation provider, we receive read-only information about your accounts, positions, and balances so the App can display your portfolio. We never receive or store your brokerage usernames or passwords, and the connection cannot be used to trade or move money.
• Subscription status: the Apple App Store or Google Play informs us whether you have an active subscription or trial. We never receive or store your payment-card details — billing is handled entirely by the stores.

What we do not collect: we do not collect payment-card numbers, government identifiers, precise location, contacts, photos, or advertising identifiers, and we do not run third-party advertising in the App.

3. How We Use Your Information

• To provide the service: operating your account, portfolios, watchlists, screeners, games, and community features; syncing your data across sessions and devices.
• To deliver alerts and notifications you have enabled — price targets, earnings dates, trend changes, dividends, news, and service messages. You can disable any of these in the App or your device settings.
• To generate AI analysis: when you use AI features, the relevant market data and your question are sent to third-party artificial-intelligence service providers to produce the analysis. These requests contain stock metrics and question text — they do not include your name, email, or account identifiers.
• To display your portfolio: processing read-only brokerage data you have chosen to connect.
• To maintain safety and quality: securing accounts, preventing fraud and abuse, enforcing our Terms of Use, debugging, and improving features.
• To communicate with you: responding to support requests and sending important service or account notices.

We process your information because it is necessary to provide the App under our Terms of Use, with your consent (which you can withdraw, for example by disabling notifications or disconnecting a broker), or for our legitimate interests in operating, securing, and improving the App.

4. How We Share Information

We do not sell your personal information, and we do not share it with advertisers. We disclose information only in the following circumstances:

• Service providers who process data on our behalf and only as needed to run the App:
  • cloud hosting and database providers (application servers and storage);
  • push-notification delivery services (to deliver alerts to your device);
  • artificial-intelligence model providers (to generate analysis, as described above);
  • the brokerage account-aggregation provider (only if you connect a broker);
  • the Apple App Store and Google Play (subscription management).
• Community visibility: content you post to community areas, your display name, and game leaderboard entries are visible to other users by design.
• Legal requirements: where required by law, regulation, legal process, or enforceable governmental request, or to protect the rights, safety, or property of our users, the public, or us.
• Business transfers: in connection with a merger, acquisition, financing, or sale of assets, your information may be transferred as part of that transaction, subject to this Policy's protections.

5. Push Notifications and Your Choices

• Notifications are optional. You choose which categories to receive (price alerts, earnings, trends, news) in the App, and you can disable all notifications in your device settings at any time.
• You can delete individual price alerts, unwatch stocks, disconnect brokers, and change your market or theme preferences at any time in the App.
• Service emails relating to your account or subscription may still be sent where legally required or necessary to operate your account.

6. Data Retention

• Account data is retained while your account is active.
• Watchlists, alerts, and portfolios are retained until you delete them or your account.
• Triggered alerts and notification history are retained for a limited operational period and then pruned.
• Diagnostic logs are retained for a short period necessary for troubleshooting and security.
• After account deletion, your personal information is removed from production systems within a reasonable period (normally within 30 days), except where longer retention is required by law, for dispute resolution, or to enforce agreements. Residual copies in encrypted backups are overwritten in the ordinary backup cycle.

7. Account Deletion

You can delete your account at any time from the App's Profile section. Deletion removes your account details, watchlists, alerts, portfolios, and community identity from our production systems as described above. Deleting the App from your device does not delete your account, and does not cancel an active subscription — manage subscriptions in your App Store or Google Play settings.

8. Security

• All communication between the App and our servers uses encrypted connections (HTTPS/TLS).
• Passwords are stored using one-way cryptographic hashing; we cannot read them.
• Access to production systems is restricted and credential-protected.
• Brokerage credentials are never transmitted to or stored on our systems.

No method of transmission or storage is completely secure. While we work to protect your information, we cannot guarantee absolute security. If we become aware of a breach affecting your personal information, we will notify you and the relevant authorities as required by applicable law.

9. International Data Transfers

We operate from Canada, and our service providers may store or process information in other countries, including the United States. Data-protection laws in those countries may differ from those in your country of residence. Where we transfer personal information internationally, we take reasonable steps — including contractual protections with our service providers — to ensure it remains protected as described in this Policy.

10. Your Rights

Subject to applicable law, you have the right to:

• Access the personal information we hold about you and receive a copy;
• Correct inaccurate or incomplete information (much of this you can do directly in the App);
• Delete your personal information (via in-app account deletion or by contacting us);
• Withdraw consent for optional processing, such as notifications or broker connections, at any time;
• Complain to a supervisory authority. In Canada, this is the Office of the Privacy Commissioner of Canada; residents of other jurisdictions may contact their local data-protection authority.

We honour rights available under the laws that apply to you, including Canada's PIPEDA and, where applicable, the EU/UK GDPR and comparable laws. To exercise any right, contact us at support@stocksaihub.com; we may need to verify your identity before acting on a request, and we will respond within the time required by law.

11. Children's Privacy

The App is intended for adults and is not directed to individuals under 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us personal information, contact us at support@stocksaihub.com and we will delete it promptly.

12. Third-Party Links and Services

The App may display links to third-party websites (for example, news articles) and relies on third-party services described above. We are not responsible for the privacy practices of third parties. We encourage you to review the privacy policies of any third-party service you use, including your brokerage, the aggregation provider, and the app stores.

13. Changes to This Policy

We may update this Policy from time to time to reflect changes in the App, technology, or law. The updated version will be posted in the App with a revised effective date, and material changes may be highlighted in the App. Your continued use of the App after changes take effect constitutes acceptance of the updated Policy.

14. Contact Us

For privacy questions, requests, or complaints:
support@stocksaihub.com

We aim to acknowledge privacy requests promptly and to resolve them within the timelines required by applicable law.