Privacy Policy

1. Who We Are

FinanceBro LLC ("we," "our," or "us") is a limited liability company registered in Sharjah Media City, Sharjah, United Arab Emirates. This service enables registered users to automatically track and analyze public company filings from the U.S. Securities and Exchange Commission (SEC) and receive real-time notifications when relevant content is published.

2. Scope

This Privacy Policy explains how we collect, process, and protect personal data when you use our services, in compliance with:

• EU General Data Protection Regulation (GDPR) – Regulation (EU) 2016/679
• California Consumer Privacy Act (CCPA) – Cal. Civ. Code § 1798.100 et seq.

3. Data We Collect

We collect and process:

• Account Data – name, email address, password, billing details
• Usage Data – IP address, browser type, operating system, access dates, pages viewed, and activity logs to understand how users interact with our service
• Payment Data – processed via secure third-party payment providers (we do not store full card numbers)
• Support Data – information you provide when contacting us

We do not collect personal data for the purpose of selling it to third parties.

4. Purposes of Processing

We process personal data for:

• Providing and maintaining our services
• Processing payments and fulfilling contracts (Art. 6(1)(b) GDPR)
• Improving and optimizing our platform through internal analytics (Art. 6(1)(f) GDPR – legitimate interests)
• Communicating with you, including support requests
• Complying with legal obligations (Art. 6(1)(c) GDPR)

5. Data Sharing and Disclosure

We may share your data with:

• Hosting Provider – Amazon Web Services (AWS), which may store and process data in various locations, including the United States
• Payment Processors – only for payment transactions
• Legal Authorities – where required by law

We do not sell personal data within the meaning of CCPA §1798.140(t).

6. International Data Transfers

Your personal data may be transferred outside your country of residence, including to countries that do not provide the same level of data protection as the EU. For EU/EEA data subjects, we use Standard Contractual Clauses (SCCs) approved by the European Commission (Art. 46(2)(c) GDPR) to ensure adequate protection.

7. Data Retention

We retain personal data only as long as necessary for the purposes stated in this Policy or as required by applicable law (Art. 5(1)(e) GDPR).

8. Your Rights (GDPR)

If you are located in the EU/EEA, you have the right to:

• Access your data (Art. 15 GDPR)
• Rectify incorrect data (Art. 16 GDPR)
• Erase your data (Art. 17 GDPR)
• Restrict processing (Art. 18 GDPR)
• Data portability (Art. 20 GDPR)
• Object to processing (Art. 21 GDPR)
• Withdraw consent at any time (Art. 7(3) GDPR)

To exercise your rights, contact us at Nithard@t-online.de.

9. Your Rights (CCPA)

If you are a California resident, you have the right to:

• Know what personal data we collect and how we use it (§1798.110)
• Request deletion of your personal data (§1798.105)
• Opt-out of any sale of personal data (§1798.120) – we do not sell personal data
• Non-discrimination for exercising your rights (§1798.125)

To exercise your CCPA rights, email us at Nithard@t-online.de or use the "Do Not Sell or Share My Personal Information" link in our website footer.

10. Cookies & Tracking Technologies

We use only essential cookies required for core functionality and performance measurement. We do not use marketing or advertising cookies, and we do not sell tracking data to third parties.

11. Security Measures

We apply industry-standard technical and organizational measures to protect personal data (Art. 32 GDPR). However, no system is entirely secure.

12. Changes to This Policy

We may update this Policy from time to time. Updates will be posted on this page with an updated "Effective Date."

13. Contact Information