Privacy Policy

Last updated: January 1, 2024

1. Introduction

APEX ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services (collectively, the "Service").

Please read this Privacy Policy carefully. By using the Service, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide when you:

  • Create an account (name, email address)
  • Subscribe to a paid plan (payment information via Stripe)
  • Contact us for support
  • Connect your brokerage accounts

2.2 Brokerage Data

When you connect your brokerage account, we access portfolio information including holdings, positions, and account types. We use OAuth authentication for Schwab and Fidelity, and secure credential handling for Robinhood. We never store your brokerage login credentials.

2.3 Automatically Collected Information

When you use our Service, we automatically collect:

  • Device information (browser type, operating system)
  • IP address
  • Usage data (pages viewed, features used)
  • Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve our Service
  • Calculate APEX Scores for your portfolio holdings
  • Send you notifications and alerts you've requested
  • Process payments and manage subscriptions
  • Respond to your inquiries and provide customer support
  • Monitor and analyze usage patterns
  • Detect and prevent fraud or unauthorized access
  • Comply with legal obligations

4. Information Sharing

We do not sell your personal information. We may share your information only in the following circumstances:

  • Service Providers: We share data with third-party vendors who assist in operating our Service (e.g., Stripe for payments, AWS for hosting).
  • Legal Requirements: We may disclose information if required by law or in response to valid legal requests.
  • Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred.
  • With Your Consent: We may share information for other purposes with your explicit consent.

5. Data Security

We implement industry-standard security measures to protect your information, including:

  • 256-bit SSL/TLS encryption for all data transmission
  • Encryption at rest for sensitive data
  • OAuth 2.0 for brokerage connections (no credential storage)
  • Regular security audits and monitoring
  • Secure, SOC 2 compliant cloud infrastructure

However, no method of transmission over the Internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. You may request deletion of your account and associated data at any time by contacting us at privacy@cipherequity.com.

7. Your Rights

Depending on your location, you may have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information
  • Object to or restrict certain processing
  • Data portability
  • Withdraw consent where applicable

To exercise these rights, please contact us at privacy@cipherequity.com.

8. Cookies

We use cookies and similar tracking technologies to track activity on our Service and store certain information. You can instruct your browser to refuse all cookies or indicate when a cookie is being sent. However, some features of our Service may not function properly without cookies.

9. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

11. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, request deletion, and opt-out of the sale of personal information. We do not sell personal information.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. Significant changes will be communicated via email or prominent notice on our Service.

13. Contact Us

If you have any questions about this Privacy Policy, please contact us at: