Privacy Policy for Finz

Introduction

Finz ("we," "our," or "us") is committed to protecting your privacy while providing you with comprehensive stock market tracking and financial management services. This Privacy Policy explains how we collect, use, and safeguard information when you use the Finz mobile application.

Information We Collect

1. Account Information

When you create an account, we collect:

• Phone number (for OTP-based authentication and account recovery)
• Display name or username (optional)
• Email address (optional, for notifications and updates)

2. Financial Tracking Data

We collect and store data related to your stock market activities:

• Stock watchlist and favorite stocks
• Price alerts and notification preferences
• Corporate actions you track (dividends, splits, bonus issues, rights issues)
• Quarterly results and financial reports you view
• Search history for stocks and companies
• News feed preferences and reading history

3. Usage Data

We collect data about how you use the app:

• App usage patterns and session duration
• Features accessed and frequency of use
• Stocks and companies you view most frequently
• Notification interaction metrics
• Time spent on different sections of the app

4. Device Information

We automatically collect:

• Device type and operating system version
• App version and unique device identifier
• Language and timezone settings
• Network information and IP address
• Crash reports and error logs
• Push notification tokens (for Firebase Cloud Messaging)

How We Use Your Information

We use collected information to:

• Provide Stock Market Services: Display real-time stock prices, corporate actions, and financial reports
• Send Price Alerts: Notify you when stocks reach your specified price targets
• Personalize Experience: Customize your watchlist and news feed based on your preferences
• Deliver Notifications: Send corporate action updates, quarterly results, and market news
• App Functionality: Enable features like watchlist synchronization across devices
• Technical Support: Diagnose issues and improve app performance
• Analytics: Understand user behavior to improve features and user experience

Data Security

We implement industry-standard security measures:

• Encryption: All data transmitted between your device and our servers is encrypted using TLS/SSL
• Secure Storage: Personal data and financial tracking information are stored on secure servers with access controls
• Limited Access: Only authorized personnel can access user data, and only when necessary for support or development
• Regular Audits: We conduct regular security reviews and updates
• OTP Authentication: We use secure OTP-based authentication to protect your account

Third-Party Services

We use the following third-party services:

• Firebase Cloud Messaging: Push notifications for price alerts and market updates (privacy policy)
• Stock Market Data Providers: Real-time and historical stock market data
• Authentication Services: OTP delivery and verification
• Analytics Services: App performance monitoring and crash reporting

These services may collect data as described in their respective privacy policies.

Data Retention

• Account Data: Retained while your account is active
• Watchlist and Alerts: Retained while your account is active
• Usage History: Retained for up to 2 years for analytics and service improvement
• Deleted Accounts: All associated data is permanently deleted within 30 days of account deletion

Your Rights

You have the right to:

• Access: Request a copy of all data we have collected about you
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and all associated data
• Export: Download your watchlist and tracking data in a portable format
• Opt-Out: Disable push notifications and price alerts at any time

Data Sharing and Sales

We do NOT:

• Sell or rent your personal data or financial tracking information to third parties
• Share your watchlist or portfolio details for marketing purposes
• Provide your phone number to advertisers or marketers
• Use your data for advertising or promotional purposes outside the app
• Share your data with data brokers or aggregators
• Monetize your information in any way

We MAY share data only in these limited circumstances:

• With your explicit consent
• To comply with legal obligations (e.g., court orders, regulatory requirements)
• To protect the safety and security of our users
• With service providers who assist in app operations (under strict confidentiality agreements and only to the extent necessary)

International Data Transfers

Our servers may be located in different countries. By using Finz, you consent to the transfer of your information to countries that may have different data protection laws than your country of residence.

Push Notifications

We use push notifications to:

• Send price alerts when stocks reach your target prices
• Notify about corporate actions (dividends, splits, bonus issues, rights issues)
• Alert about quarterly results and financial reports
• Share important market news and updates

You can disable notifications in your device settings or within the app at any time.

Financial Information Disclaimer

Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by:

• Posting the updated policy in the app
• Sending a push notification
• Displaying an in-app notification
• Sending an email (if provided)

Continued use of the app after changes constitutes acceptance of the updated policy.

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or your data:

Email: ashpaksh7@gmail.com

For data deletion requests or privacy concerns, please include:

• Your registered phone number or email address
• Specific request or concern
• Any relevant details

We will respond to all requests within 30 days.

Disclaimers and Limitation of Liability

No Investment Advice

Data Accuracy Disclaimer

While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding:

• The accuracy, reliability, or completeness of stock prices, corporate actions, or financial data
• The timeliness of data updates or notifications
• The availability or uninterrupted operation of the app
• The absence of errors, bugs, or technical issues

All data is provided "AS IS" without warranty of any kind, either express or implied. Market data may be delayed, and we are not responsible for any delays, inaccuracies, or errors in the data provided by third-party sources.

Third-Party Data Sources

We obtain stock market data, corporate actions, quarterly results, and news from third-party providers. We have no control over the accuracy or reliability of this data. We are not responsible for any errors, omissions, or delays in third-party data.

Limitation of Liability

No Warranty

THE APP AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

Service Availability

We do not guarantee that:

• The app will be available at all times or without interruption
• Notifications and alerts will be delivered on time or at all
• The app will be free from errors, bugs, or security vulnerabilities
• Any errors or defects will be corrected
• The app will meet your specific requirements or expectations

User Responsibilities

By using Finz, you agree that you are solely responsible for:

• All investment decisions and their consequences
• Verifying all information before making investment decisions
• Conducting your own due diligence and research
• Consulting with qualified financial advisors
• Maintaining the security of your account credentials
• Complying with all applicable laws and regulations

Indemnification

You agree to indemnify, defend, and hold harmless Finz, its developers, operators, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising from:

• Your use or misuse of the app
• Your violation of this Privacy Policy or Terms of Service
• Your investment decisions or financial losses
• Your violation of any laws or regulations
• Any claim that you violated the rights of any third party

Governing Law and Jurisdiction

This Privacy Policy shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions. Any disputes arising from or relating to this Privacy Policy or your use of Finz shall be subject to the exclusive jurisdiction of the courts located in [Your City/State], India.

Severability

If any provision of this Privacy Policy is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

Consent

By using Finz, you acknowledge that you have read and understood this Privacy Policy, including all disclaimers and limitations of liability, and consent to the collection, use, and disclosure of information as described herein. You also acknowledge that you understand this is an informational app and not a source of investment advice.