Privacy Policy

Last Updated: November 2025 | Status: Draft - Requires Legal Review

Welcome to the AI Investment Platform. We respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, and protect your information when you use our Service.

By using our Service, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

1.1 Information You Provide

Account Information:

  • Email address (required)
  • Password (hashed, never stored in plaintext)
  • Username/display name (optional)

Investment Data:

  • Stock watchlist
  • Portfolio positions
  • Investment preferences
  • Alert configurations

1.2 Information We Collect Automatically

Usage Data:

  • Pages visited and features used
  • Time spent on the platform
  • Search queries and interactions
  • API usage (for quota enforcement)

Technical Data:

  • IP address
  • Browser type and version
  • Device information
  • Operating system

2. How We Use Your Information

2.1 Service Delivery

  • Provide and maintain the Service
  • Authenticate your account
  • Process payments and manage subscriptions
  • Deliver personalized recommendations
  • Enable features (watchlist, portfolio, alerts)

2.2 Service Improvement

  • Understand how users interact with the Service
  • Improve features and functionality
  • Fix bugs and optimize performance
  • Develop new features

2.3 Security & Compliance

  • Prevent fraud and abuse
  • Enforce usage quotas
  • Comply with legal obligations
  • Protect user data and security

3. Data Sharing

3.1 Service Providers

We share data with trusted third-party service providers:

Payment Processing (Stripe): Email, subscription status - Purpose: Process payments

AI Services (Azure OpenAI): Stock queries, chat messages - Purpose: Generate AI insights

Vector Database (Pinecone): User preferences (anonymized) - Purpose: Personalized recommendations

Data Providers: Ticker symbols, market data requests - Purpose: Fetch stock data

3.3 We Do NOT Sell Your Data

We never sell your personal data to third parties.

4. Data Security

4.1 Security Measures

We implement industry-standard security measures:

  • Encryption: TLS for data in transit, encryption at rest
  • Authentication: Secure password hashing (bcrypt)
  • Access Control: Role-based access control
  • Monitoring: Continuous security monitoring
  • Updates: Regular security updates

4.2 Your Responsibility

  • Use strong passwords
  • Don't share your account credentials
  • Log out when using shared devices
  • Notify us immediately of unauthorized access

5. Data Retention

Active Accounts: Account data retained while account is active. Usage data retained for 2 years.

Inactive Accounts: Account data deleted after 2 years of inactivity.

Legal Requirements: Financial records retained for 7 years (if applicable). Audit logs retained for 1 year minimum.

6. Your Rights (GDPR)

If you are located in the EU/UK, you have the following rights:

Right to Access

Request a copy of your personal data. Email privacy@vibhatech.com with subject "Data Access Request"

Right to Rectification

Request correction of inaccurate data. Update in account settings or email us.

Right to Erasure

Request deletion of your personal data. Delete account in settings or email us.

Right to Data Portability

Request your data in a machine-readable format. Email privacy@vibhatech.com with subject "Data Portability Request"

Right to Object

Object to processing based on legitimate interests. Email privacy@vibhatech.com

Right to Withdraw Consent

Withdraw consent for optional features. Update preferences in account settings.

Response Time: We will respond within 30 days of your request.

8. Children's Privacy

Age Requirement: Users must be 18+ to use the Service.

We do not knowingly collect data from users under 18. If we discover a user under 18, we will delete their account immediately.

10. Data Breach Notification

If a data breach occurs that may affect your personal data:

  • We will notify you within 72 hours (if required by law)
  • We will report to ICO within 72 hours (if required)
  • We will take immediate action to contain and remediate the breach

12. Contact Us

Privacy Inquiries:
Email: info@vibhatech.com
Company: VIBHA TECHNOLOGY LIMITED
Registered Address: Regus Building, Central Boulevard, Blythe Valley Park, Solihull B90 8AG
Company Registration Number: 07589393

13. Your Consent

By using our Service, you consent to:

  • ✅ Collection and use of information as described in this policy
  • ✅ Processing of your data in the UK/EU
  • ✅ Sharing of data with service providers as described

Note: This Privacy Policy is a draft and requires review by qualified legal counsel specializing in GDPR/data protection before publication. Customize with your specific company information and contact details.

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Important Information

⚠️ This platform provides investment research tools and analytics for informational purposes only. This is NOT personalized investment advice, NOT a recommendation to buy or sell securities, and NOT financial planning advice.

All outputs are based on quantitative models and imported market data and are not tailored to any individual client's financial situation, risk tolerance, or investment objectives. As a qualified advisor, you are responsible for conducting your own due diligence and making appropriate recommendations to your clients based on their specific circumstances.

Where any AI or machine learning components are used (for example in experimental features), their outputs are likewise informational only and must not be treated as a substitute for your professional judgment.

Risk Warning

Investments carry risk of loss. The value of investments can go down as well as up, and investors may not get back the amount they invested. Past performance is not a reliable indicator of future results. As a professional adviser using this platform, you are responsible for your advice to clients and for ensuring they understand these risks. Clients should only invest money they can afford to lose.

When using this platform to inform client recommendations, you should:

  • Conduct your own due diligence and analysis
  • Consider each client's specific financial situation, risk tolerance, and investment objectives
  • Understand the risks associated with recommended investments
  • Ensure compliance with FCA regulations and your firm's compliance policies
  • Maintain appropriate documentation and audit trails for client recommendations

Regulatory Status

VIBHA TECHNOLOGY LIMITED is not authorized or regulated by the Financial Conduct Authority (FCA). We operate as an information and analytics service provider, not as a regulated financial advisor or investment manager.

We do not:

  • Provide personalized investment advice to end clients
  • Execute trades or manage portfolios on behalf of advisors or their clients
  • Hold client funds or securities
  • Provide regulated financial services
  • Replace the professional judgment of qualified financial advisors

Data and Accuracy

While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, completeness, or reliability of any data, analysis, or outputs. All information is provided "as is" without warranty of any kind.

Core data is sourced from licensed third-party market-data providers (currently primarily EODHD for fundamentals, quotes, and historical data) and may be subject to delays, errors, or omissions. We are not responsible for any losses or damages arising from reliance on this information.

Limitation of Liability

To the maximum extent permitted by law, VIBHA TECHNOLOGY LIMITED and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to investment losses, arising from your use of this platform or reliance on any information, analysis, or recommendations provided.

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© 2026 VIBHA TECHNOLOGY LIMITED. All rights reserved.

Not authorized or regulated by the Financial Conduct Authority (FCA).

Registered in England and Wales | Company Registration Number: 07589393

Registered Address: Regus Building, Central Boulevard, Blythe Valley Park, Solihull B90 8AG

Contact: info@vibhatech.com