InvestorQ

by Offbeet Media and Tech Inc.

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Privacy Policy

Offbeet Media and Tech Inc. ("we," "us," or "our") operates InvestorQ (the "Platform"), a comprehensive financial analysis and trading platform. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Platform.

1. Information We Collect

1.1 Information You Provide Directly

• Account Information: Name, email address, phone number, and password when you create an account
• Identity Verification: Date of birth, Social Security Number (last 4 digits or full), address, and government-issued ID information for brokerage account creation
• Financial Information: Bank account details, investment preferences, employment information, and net worth ranges for suitability assessments
• Portfolio Data: Stocks, holdings, and watchlists you choose to track
• Communications: Messages you send to our support team

1.2 Information Collected Automatically

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, features used, time spent on the Platform
• Location Data: General geographic location based on IP address

1.3 Information from Third Parties

• Authentication Providers: If you sign in with Google, we receive your name, email, and profile picture
• Financial Institutions: Through Plaid, we may receive account balances, transaction history, and account holder information
• Brokerage Partners: Trading activity, positions, and account status from Alpaca Securities

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Platform and services
• Process transactions and send related information
• Create and manage your brokerage account
• Verify your identity and prevent fraud
• Send administrative notifications, security alerts, and support messages
• Provide personalized financial analysis and recommendations
• Comply with legal obligations and regulatory requirements
• Analyze usage patterns to improve user experience

3. Third-Party Service Providers

We work with trusted third-party service providers to operate our Platform:

4. Financial Data & Plaid Integration

4.1 What Plaid Shares With Us

• Account holder name and masked account numbers
• Account type (checking, savings)
• Account and routing numbers for ACH transfers (with your consent)
• A secure token to initiate authorized transactions

4.2 How We Use Plaid Data

• To verify your bank account ownership
• To enable deposits and withdrawals to/from your brokerage account
• To comply with regulatory requirements

4.3 Your Control

You can disconnect your bank account at any time through the Platform or by contacting us. You can also manage your Plaid connections at my.plaid.com.

5. Brokerage Services & Alpaca

5.1 Information Shared with Alpaca

To open and maintain your brokerage account, we share:

• Full legal name, date of birth, and SSN
• Residential address and phone number
• Employment information and financial status
• Government-issued ID for identity verification

5.2 Trading Data

Alpaca maintains records of all your trading activity, including:

• Orders placed, executed, and canceled
• Positions and portfolio holdings
• Account balances and transaction history
• Deposits and withdrawals

5.3 Regulatory Compliance

As a registered broker-dealer, Alpaca is required to maintain certain records and may share information with regulators (SEC, FINRA) as required by law.

6. Data Security

We implement comprehensive security measures to protect your information:

Security Measure	Description
Encryption in Transit	All data transmitted using TLS 1.2 or higher (HTTPS)
Encryption at Rest	Database encryption for stored data
Access Controls	Role-based access, principle of least privilege
Authentication	Multi-factor authentication for administrative access
Monitoring	Continuous security monitoring and logging
Vendor Security	SOC 2 compliant infrastructure providers

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

7. Data Retention

• Account Data: Retained while your account is active and for 7 years after closure (regulatory requirement)
• Trading Records: Retained for a minimum of 6 years per FINRA/SEC requirements
• Tax Documents: Retained for 7 years
• Usage Data: Retained for up to 2 years for analytics purposes
• Support Communications: Retained for 3 years

8. Your Rights

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your data (subject to legal retention requirements)
• Portability: Export your portfolio and account data
• Opt-Out: Unsubscribe from marketing communications
• Withdraw Consent: Revoke previously given consents
• Restrict Processing: Limit how we use your data

To exercise these rights, contact us at privacy@investorq.io.

9. Cookies & Tracking Technologies

We use cookies and similar technologies to:

• Keep you signed in to your account
• Remember your preferences
• Analyze Platform usage and performance
• Enhance security and prevent fraud

You can control cookies through your browser settings. Disabling cookies may limit some Platform functionality.

10. Children's Privacy

Our Platform is not intended for users under 18 years of age. We do not knowingly collect information from minors. If you believe a minor has provided us with personal information, please contact us immediately.

11. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

We do not sell personal information.

12. International Users

Our Platform is operated in the United States. If you access the Platform from outside the US, your information will be transferred to and processed in the United States, which may have different data protection laws than your country.

13. Changes to This Policy

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

• Posting a notice on the Platform
• Sending an email to your registered address
• Updating the "Last Updated" date above

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

14. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

• Email: privacy@investorq.io
• General Inquiries: info@investorq.io
• Company: Offbeet Media and Tech Inc.