Last updated: January 2025
1. Information We Collect
Account Information:
- Name and email address (for account creation)
- Profile information (if provided)
- Authentication credentials (securely hashed)
Usage Information:
- Chat conversations with our AI (Mira)
- Search queries and research requests
- Usage patterns and feature interactions
- Payment and transaction history
Technical Information:
- IP address and browser information
- Device type and operating system
- Session logs and error reports
2. How We Use Your Information
We use your information to:
- Provide the Service: Process your research queries and deliver AI-powered investment analysis
- Account Management: Create and maintain your account, handle authentication, and process payments
- Improve Our Service: Analyze usage patterns to enhance our AI models and user experience
- Communication: Send important service updates, security alerts, and support messages
- Security: Detect and prevent fraud, abuse, and unauthorized access
3. Data We DO NOT Collect or Store
We are committed to data minimization:
- We do NOT collect unnecessary personal information
- We do NOT store sensitive financial account details
- We do NOT track your browsing activity outside our platform
- We do NOT collect biometric or health information
- We do NOT store payment card details (handled by secure payment processors)
4. Data Sharing and Disclosure
We DO NOT sell your data.
Your personal information and chat conversations are never sold to third parties for marketing or advertising purposes.
We may share information only in these limited circumstances:
- Service Providers: With trusted partners who help us operate the service (payment processors, hosting providers) under strict confidentiality agreements
- Legal Compliance: When required by law, court order, or to protect our rights and safety
- Business Transfer: In the event of a merger, acquisition, or sale of assets (with notice to users)
- With Your Consent: When you explicitly authorize us to share specific information
5. Data Security
We implement industry-standard security measures to protect your information:
- Encryption: Data is encrypted in transit (HTTPS) and at rest
- Access Controls: Strict access controls limit who can view your data
- Regular Audits: Security practices are regularly reviewed and updated
- Secure Infrastructure: Data is stored on secure, monitored servers
6. Chat Data and AI Training
Your conversations with Mira:
- Chat conversations are stored to provide session history and improve responses
- We may use aggregated, anonymized chat data to improve our AI models
- Individual conversations are not shared with other users
- You can delete your chat history from your account settings
7. Data Retention
We retain your information as follows:
- Account Data: Kept while your account is active, plus 30 days after deletion
- Chat History: Stored until you delete it or close your account
- Payment Records: Retained for 7 years for tax and legal compliance
- Usage Logs: Aggregated analytics data may be retained longer for service improvement
8. Your Privacy Rights
You have the right to:
- Access: Request a copy of the personal information we have about you
- Correction: Update or correct inaccurate personal information
- Deletion: Request deletion of your account and associated data
- Data Portability: Request a copy of your data in a portable format
- Opt-out: Unsubscribe from marketing communications
To exercise these rights, contact us at:privacy@moat37.com
9. Cookies and Tracking
We use essential cookies and similar technologies to:
- Keep you logged in to your account
- Remember your preferences and settings
- Analyze how our service is used (anonymized)
- Ensure security and prevent fraud
We do not use tracking cookies for advertising or share data with advertising networks.
10. Third-Party Services
We use carefully selected third-party services:
- Payment Processing: PhonePe (they have their own privacy policies)
- AI Services: OpenRouter for our AI capabilities
- Infrastructure: Cloud hosting providers for secure data storage
These services are bound by confidentiality agreements and security requirements.
11. International Data Transfers
Your data may be processed in countries other than India when using third-party services. We ensure appropriate safeguards are in place to protect your privacy rights according to applicable laws.
12. Changes to This Policy
We may update this Privacy Policy to reflect changes in our practices or applicable laws. We will notify you of material changes via email or through the service. Your continued use after changes constitutes acceptance.
13. Contact Us
For privacy-related questions or requests, contact us at:
Email:privacy@moat37.com
General Support:support@moat37.com
By using Moat37, you acknowledge that you have read and understood this Privacy Policy and consent to our data practices as described herein.