1. Introduction

OberAI ("Company," "we," "us," or "our") values your privacy. This Privacy Policy describes how we collect, use, disclose, retain, and protect your personal information when you use OberAI and related services.

By using our Service, you acknowledge that you have read and understood this Privacy Policy.

2. Scope

This Privacy Policy applies to:

• Our website and web applications
• Mobile applications (if any)
• Brokerage connection features
• Customer support communications
• Marketing and promotional communications

3. Information Collected

We may collect the following categories of personal information:

Account Information

• Name, email address, and password (stored in hashed form)
• Authentication identifiers (if using social login)
• Account preferences and settings

Profile Information

• Display name and profile preferences
• Investment preferences and goals (if provided)

Brokerage and Portfolio Data

• Brokerage connection metadata
• Holdings, balances, and account information
• Transaction history
• Manually imported portfolio data (CSV uploads)

Device and Usage Data

• Device type, browser, operating system
• IP address and general location
• Pages visited, features used, and interactions
• Log data and error reports

Cookies and Similar Technologies

• Session cookies for authentication
• Preference cookies for settings
• Analytics cookies (if applicable)

Communications

• Support messages and inquiries
• Feedback and survey responses

Billing Information

• Subscription status and billing history
• Payment details are processed by third-party payment processors and are not stored directly by us

4. Sources of Information

We collect information from:

• Directly from you: When you create an account, use features, or contact us
• Automatically: Through your use of the Service (device and usage data)
• Connected brokerages: Through third-party providers such as SnapTrade when you connect accounts
• Service providers: Analytics tools, authentication services, and other vendors

5. How Information Is Used

We use your information to:

• Create and manage your account
• Provide portfolio tracking, analytics, and insights
• Import and refresh data from connected brokerages
• Generate AI-powered summaries and analysis
• Improve product quality, performance, and security
• Communicate service updates and respond to support requests
• Send marketing communications (where permitted and with appropriate consent)
• Detect and prevent fraud, abuse, and security incidents
• Comply with legal obligations

6. Legal Basis and Consent

Under Canadian privacy law, we collect, use, and disclose your personal information for purposes that a reasonable person would consider appropriate in the circumstances.

By providing your information, creating an account, or connecting brokerage accounts, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy, subject to your legal rights and any applicable exceptions.

You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice, by contacting us or discontinuing use of the Service.

7. How Information Is Shared

We may share your information with:

• Service providers: Hosting, infrastructure, analytics, email, authentication, and support vendors
• Brokerage integration partners: SnapTrade and connected brokerages, as necessary to provide connection features
• Professional advisers: Auditors, insurers, and legal counsel as needed
• Corporate transactions: In connection with a merger, acquisition, or sale of assets
• Legal compliance: Regulators, law enforcement, or courts when required by law or legal process

We do not sell your personal information in the ordinary commercial sense of selling user data for money.

8. Cross-Border Processing

Your personal information may be stored or processed in Canada, the United States, or other jurisdictions where our service providers operate. Laws in those jurisdictions may differ from those in your home jurisdiction.

By using the Service, you acknowledge that your information may be transferred to and processed in these locations.

9. Retention

We retain your personal information only as long as reasonably necessary for the purposes described in this Privacy Policy, including:

• Providing the Service and maintaining your account
• Legal compliance and regulatory requirements
• Dispute resolution and enforcement of agreements
• Security and fraud prevention
• Recordkeeping obligations

Synced portfolio and connection data may be deleted or anonymized when no longer needed, subject to legal retention requirements.

10. Security

We implement reasonable administrative, technical, and organizational safeguards to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure authentication mechanisms
• Access controls and monitoring
• Regular security assessments

However, no system is perfectly secure. We cannot guarantee absolute security, and you are responsible for protecting your own credentials and devices.

11. Your Choices and Rights

Depending on your jurisdiction, you may have rights to:

• Access: Request information about the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Withdrawal of consent: Withdraw consent where processing is based on consent
• Disconnect accounts: Remove connected brokerage accounts at any time
• Marketing opt-out: Unsubscribe from promotional communications
• Cookie controls: Manage cookie preferences through your browser settings

To exercise these rights, please contact us at ober.aiteam@gmail.com.

12. Children

The Service is not intended for children under the age of majority in their jurisdiction. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us to have it removed.

13. Third-Party Services and Links

The Service may contain links to third-party websites or integrate with third-party services (such as brokerages and payment processors). These third parties have their own privacy policies, and we are not responsible for their practices.

We encourage you to review the privacy policies of any third-party services before providing your information or connecting accounts.

14. Changes to This Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the "Last Updated" date and version number at the top of this page.

For material changes, we may provide additional notice through in-app notifications or email. Your continued use of the Service after changes become effective constitutes acceptance of the revised Privacy Policy.

15. Contact and Complaints

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

If you are not satisfied with our response, you may have the right to contact your applicable privacy regulator or data protection authority.