Privacy Policy

1. Overview

FinCom ("we," "us," or "our") is committed to protecting your privacy. This policy explains what information we collect, how we use it, and your rights regarding your data. By using FinCom, you agree to the practices described in this policy.

2. Information We Collect

Account Information

When you create an account, we collect your email address, username, and authentication information through Clerk, our identity provider. We do not store your passwords directly.

Financial Data

When you link a brokerage account through Plaid, we receive and store:

• Portfolio value and total return percentage
• Individual holdings (ticker, shares, market value, cost basis, return)
• Account institution name and type
• Daily portfolio snapshots for historical tracking

We do not store your bank login credentials, full account numbers, or Social Security numbers. Financial credentials are handled exclusively by Plaid.

User Content

We store posts, comments, votes, and follows you create on the platform.

Usage Data

We may collect basic usage information such as pages visited and features used to improve the Service.

3. How We Use Your Information

• To provide and operate the Service, including displaying your verified portfolio data alongside your posts and profile
• To calculate community rankings and percentile statistics
• To send notifications about activity on your posts (comments, upvotes, follows)
• To improve the platform based on usage patterns
• To enforce our Terms of Service and prevent abuse
• To comply with legal obligations

We do not sell your personal data to third parties. We do not use your financial data for advertising purposes.

4. What Is Visible to Other Users

You control what financial data other users can see through your privacy settings. By default:

• Portfolio value: Private by default
• Return percentage: Public by default
• Individual positions: Private by default
• Verified badge: Always visible when accounts are linked

Your username and posts are always public. You can update your privacy settings at any time on the Settings page.

5. Third-Party Services

Plaid

We use Plaid to connect your brokerage accounts. Plaid is subject to its own Privacy Policy. Plaid does not share your financial credentials with us.

Clerk

We use Clerk for authentication and user management. Clerk is subject to its own Privacy Policy.

Neon

Your data is stored in a PostgreSQL database hosted by Neon on AWS infrastructure in the United States.

6. Data Security

We implement reasonable technical and organizational measures to protect your data, including encrypted connections (HTTPS), secure database access controls, and read-only financial data access. However, no system is completely secure, and we cannot guarantee absolute security of your information.

7. Data Retention

We retain your account data for as long as your account is active. If you delete your account, we will delete your personal information within 30 days, except where retention is required by law. Portfolio snapshots and aggregated statistics may be retained in anonymized form.

8. Your Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of the data we hold about you
• Correction: Request correction of inaccurate data
• Deletion: Request deletion of your account and associated data
• Portability: Request your data in a machine-readable format
• Opt-out: Opt out of non-essential data processing

To exercise any of these rights, contact us at jason.haft@gmail.com.

9. Cookies

We use cookies and similar technologies for authentication and session management. We do not use tracking cookies for advertising. You can control cookies through your browser settings, though disabling them may affect the functionality of the Service.

10. Children's Privacy

FinCom is not directed at children under 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us with their information, please contact us and we will delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify users of significant changes via email or an in-app notice. Continued use of the Service after changes take effect constitutes acceptance of the updated policy.

12. Contact

For privacy-related questions or requests, contact us at jason.haft@gmail.com.