Privacy Policy

Last updated March 31, 2026

Introduction

ThetaFlo ("ThetaFlo," "we," "us," or "our") operates an AI-powered financial research platform (the "Service"). This Privacy Policy explains how we collect, use, disclose, and protect your personal data when you access or use our Service, including our website and all related tools and features. By using the Service, you acknowledge that you have read and understood this Privacy Policy.

1. Personal Data We Collect

A. Information you provide to us

• Account Information. When you create an account, we collect your email address, username, and password. You may also provide a display name.
• Payment Information. If you purchase credits or other paid features, we collect transaction-related information through our third-party payment processor, such as the amount paid and your payer email address. We do not directly store your full payment card details.
• Research Inputs. The Service allows you to submit queries and receive AI-generated research reports ("Reports"). We collect the queries you submit in order to provide the Service.
• Support and Communications. If you contact us or submit a support ticket, we collect the information you provide, including your email address, subject, and message content.

B. Information we collect automatically

• Device Information. We automatically collect information about the device and browser you use to access the Service, including device type, operating system, and browser type.
• Log and Usage Data. We collect information about how you interact with the Service, including your IP address, access times, pages viewed, and actions taken within the Service.
• Cookies and Similar Technologies. We use cookies and similar technologies to operate the Service, maintain your session, authenticate your identity, and analyze usage patterns. These are essential for providing core functionality such as keeping you signed in.
• Location Information. We may infer your approximate geographic location from your IP address for security and service optimization purposes.

C. Information we do not collect

We do not knowingly collect sensitive personal information such as health data, biometric data, racial or ethnic origin, or religious beliefs. The Service is not directed at individuals under the age of 18.

2. How We Use Personal Data

We use the personal data we collect for the following purposes:

• To provide, operate, and maintain the Service, including generating research reports in response to your queries.
• To create, manage, and authenticate your account.
• To process transactions and manage your credit balance.
• To communicate with you, including responding to support requests and sending service-related notifications.
• To improve and develop the Service, including analyzing usage patterns and troubleshooting issues.
• To prevent fraud, detect abuse, and protect the security of the Service and our users.
• To comply with legal obligations and enforce our Terms of Service.

3. How We Share Personal Data

We may share your personal data in the following circumstances:

• Service Providers. We engage third-party companies and service providers to support our operations, including AI model providers, payment processors, email delivery services, cloud infrastructure providers, and analytics providers. These providers process data only as necessary to perform services on our behalf.
• Legal Compliance. We may disclose personal data if required by law, regulation, or legal process, or if we believe disclosure is necessary to protect the rights, safety, or property of ThetaFlo, our users, or others.
• Business Transfers. In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal data may be transferred as part of the transaction.
• With Your Consent. We may share your personal data when you give us explicit permission to do so.

We do not sell your personal data to third parties.

4. Cookies and Similar Technologies

We use cookies for the following purposes:

• Authentication. To verify your identity and keep you signed in during your session.
• Session Management. To maintain your preferences and the state of your interactions with the Service.
• Analytics. To understand how the Service is used so we can improve it. We collect anonymized or pseudonymized usage data for this purpose.

Most browsers allow you to manage cookie preferences. However, disabling cookies may affect the functionality of the Service.

5. Data Retention

We retain your personal data for as long as your account is active or as necessary to provide the Service and fulfill the purposes described in this Privacy Policy. We may also retain data as required by applicable law or for legitimate business purposes such as dispute resolution and security.

When personal data is no longer needed, we will delete, anonymize, or securely dispose of it in accordance with applicable laws.

6. Security

We implement commercially reasonable technical and organizational measures to protect your personal data from unauthorized access, loss, misuse, and alteration. These measures include securely hashing passwords, encrypting data in transit, and restricting access to personal data on a need-to-know basis.

However, no method of transmission over the Internet or method of electronic storage is completely secure. We cannot guarantee the absolute security of your personal data.

7. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal data, including:

• Access. Request a copy of the personal data we hold about you.
• Correction. Request correction of inaccurate personal data.
• Deletion. Request deletion of your personal data, subject to certain legal exceptions.
• Portability. Request a copy of your data in a portable format, where applicable.
• Objection. Object to certain types of processing of your personal data.

To exercise any of these rights, please contact us at support@thetaflo.com. We may verify your identity before processing your request.

8. Children

The Service is not directed at individuals under the age of 18. We do not knowingly collect personal data from children. If we become aware that we have collected personal data from a child under 18, we will take steps to delete that information promptly.

9. International Data Transfers

Your personal data may be processed and stored in countries other than your own. Data protection laws in these countries may differ from those in your jurisdiction. By using the Service, you consent to the transfer of your data to these countries. We take appropriate measures to ensure your data is protected in accordance with this Privacy Policy regardless of where it is processed.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the "Last updated" date at the top of this page. Your continued use of the Service after any changes constitutes your acceptance of the updated Privacy Policy.

11. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at support@thetaflo.com.