This Privacy Policy ("Policy") explains how Circuit Europe OÜ ("Company," "we," "us," or "our") collects, uses, discloses, and safeguards your personal information when you visit or use our website https://www.aipredictstock.com/ and related services and applications (including iOS, Android, and Web platforms) (collectively, the "Services").

1. WHO WE ARE

1.1. Data Controller

Circuit Europe OÜ is the entity responsible for the processing of your personal data in connection with our Services. If you have any questions, concerns, or requests regarding your personal data, please see the "Contact Us" section below.

1.2. Services Provided

Our Services primarily involve collecting and analyzing financial news information, summarizing such news through AI, and predicting potential movements of U.S. stocks and indices. We operate on multiple platforms (web, iOS, Android), offering user registration and login features, including third-party sign-in methods (Google, Apple, Facebook).

2. INFORMATION WE COLLECT

2.1. Information You Provide to Us

Account Registration: When you register for an account (whether directly or through a third-party login), we may collect your name, email address, username, password, and any other information you voluntarily provide.

Financial & Usage Preferences: If you choose to provide details about which stocks or financial indices you track, we may store this information to tailor our Services.

Customer Support: When you contact us for support, we may collect your name, email address, and the content of your request.

2.2. Information Collected Automatically

Device Information: We may collect information about the device you use to access our Services, including IP address, device type, unique device identifier, operating system, and browser type.

Usage Data: We may gather details regarding when and how you use our Services (e.g., pages or features accessed, time spent on the site, link clicks, or error logs).

Cookies and Similar Technologies: We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your interactions with our website and Services. For further details, see our “Cookies and Tracking Technologies” section below.

2.3. Information from Third Parties

Third-Party Login: If you sign in through Google, Apple, or Facebook, we may receive limited personal information (such as your name and email) from those service providers. We only collect the data that these third parties are authorized to share with us.

3. HOW WE USE YOUR INFORMATION

We process your personal data for the following purposes and legal bases:

Service Provision & Account Management: To create and manage your user account, facilitate login, and authenticate your identity. Legal Basis: Performance of a contract (GDPR Article 6(1)(b)) or legitimate interest.

Personalization: To tailor our AI-driven recommendations, predictions, and other content to your preferences (e.g., the types of stocks or indices you follow). Legal Basis: Legitimate interest (GDPR Article 6(1)(f)) or consent where required.

Communications: To send important updates about our Services, changes to our terms or policies, and other administrative information. Legal Basis: Performance of a contract (GDPR Article 6(1)(b)) or legal obligation (GDPR Article 6(1)(c)).

Marketing & Promotional Materials: With your consent, we may send you newsletters or promotional offers concerning new features or services. Legal Basis: Consent (GDPR Article 6(1)(a)) or legitimate interest (where applicable).

Analytics & Service Improvements: To analyze usage of our Services, improve functionality, and develop new features. Legal Basis: Legitimate interest (GDPR Article 6(1)(f)).

Legal Compliance & Enforcement: To comply with applicable laws, regulations, and legal process, or to respond to lawful requests. Legal Basis: Legal obligation (GDPR Article 6(1)(c)) or legitimate interest (GDPR Article 6(1)(f)), such as enforcing our legal rights or protecting our users.

4. HOW WE SHARE YOUR INFORMATION

We may share your personal data with third parties under the following circumstances:

Service Providers: We engage trusted third-party providers to help us operate, analyze, and improve our Services (e.g., hosting providers, analytics providers, email service providers). These entities process data on our behalf and in compliance with this Policy.

Third-Party Login Services: If you choose to sign in through Google, Apple, or Facebook, certain personal information necessary for authentication may be shared with or obtained from these providers.

Business Transfers: If we are involved in a merger, acquisition, financing, or sale of assets, your personal data may be transferred as part of such transaction.

Legal Obligations: We may disclose your information where required by law or to respond to valid requests from government authorities (e.g., courts or law enforcement agencies).

Protection of Rights: We may disclose your personal data if we believe it is necessary to enforce our Terms of Use, protect our rights, privacy, safety, or property, or that of our affiliates, you, or others.

5. INTERNATIONAL TRANSFERS OF INFORMATION

Circuit Europe OÜ is based in Estonia. However, your personal data may be transferred to and processed in countries other than the one in which you reside, including the United States, where our servers or third-party service providers are located. When we transfer your personal data internationally, we will ensure that we implement appropriate safeguards, such as Standard Contractual Clauses, to protect your personal data in accordance with applicable data protection laws.

6. YOUR RIGHTS AND CHOICES

6.1. EU/EEA Data Subject Rights (GDPR)

If you are located in the European Union/European Economic Area, you have the following rights regarding your personal data:

Right of Access: You can request information about how we process your personal data and obtain a copy of the personal data we hold about you.

Right to Rectification: You can ask us to correct or update inaccurate or incomplete personal data.

Right to Erasure (“Right to be Forgotten”): Under certain circumstances, you can request the deletion of your personal data.

Right to Restriction of Processing: You can ask us to restrict processing of your personal data under certain circumstances.

Right to Data Portability: You can request a copy of your personal data in a structured, commonly used, and machine-readable format.

Right to Object: You can object to our processing of your personal data where such processing is based on legitimate interest or direct marketing.

To exercise any of these rights, please contact us at the contact information below.

6.2. California Residents (CCPA)

If you are a California resident, you have certain rights under the California Consumer Privacy Act (CCPA), including:

Right to Know: You can request disclosure of the categories and specific pieces of personal information we have collected about you.

Right to Delete: You can request that we delete personal information we have collected from or about you.

Right to Opt-Out of Sale: We do not sell personal information as defined by CCPA. If this practice changes, we will update this Policy and provide a mechanism to opt out.

Right to Non-Discrimination: You have the right not to receive discriminatory treatment for exercising your CCPA rights.

6.3. Other Jurisdictions

Users in other jurisdictions may have similar rights under their applicable data protection laws. Please contact us to inquire about the specific rights you may have.

7. RETENTION OF PERSONAL DATA

We retain your personal data for as long as is necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

Legal or regulatory obligations

Dispute resolution or enforcement of our agreements

Business needs, such as account management or improving our Services

When we no longer need your personal data, we will securely delete, anonymize, or otherwise dispose of it according to industry best practices.

8. SECURITY MEASURES

We implement appropriate technical and organizational security measures designed to protect your personal data from unauthorized access, disclosure, alteration, or destruction. These measures include, but are not limited to:

Encryption of data in transit (SSL/TLS)

Regular security assessments and risk analysis

Restricting access to personal data on a “need-to-know” basis

Regular software updates and patching

However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your personal data, we cannot guarantee absolute security.

9. COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar tracking technologies to collect information about your activities over time and across different Services and devices to help us improve your experience. Examples include:

Essential Cookies: Necessary for core functionality (e.g., session cookies).

Analytics Cookies: Help us understand how you interact with our Services so we can improve them (e.g., Google Analytics).

Marketing Cookies: Used to display relevant ads or track email campaign effectiveness.

You can control cookies through your browser settings or other tools. Please note that rejecting cookies may affect your user experience with our Services.

10. THIRD-PARTY SERVICES AND LINKS

Our Services may contain links to third-party websites or applications, including login providers such as Google, Apple, or Facebook. We do not control and are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third parties before providing them with your personal information.

11. CHILDREN’S PRIVACY

Our Services are not directed to individuals under the age of 16 (or equivalent minimum age depending on jurisdiction). We do not knowingly collect personal data from children. If you learn that a child has provided us with personal data in violation of this Policy, you may alert us at the contact information below. We will promptly delete such data from our records.

12. CHANGES TO THIS PRIVACY POLICY

We may update this Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we do, we will update the “Last Updated” date at the top. We encourage you to review this Policy periodically. Your continued use of our Services after any changes to this Policy will signify your acceptance of those changes.