Privacy Policy

1. Introduction

EQUO ("we," "our," or "us") is committed to protecting your privacy and financial information. This Privacy Policy explains how we collect, use, share, and protect your personal and financial data when you use our AI-powered financial advisor platform.

2. Information We Collect

Personal Information

• Name, email address, and contact information
• Account credentials and authentication data
• Profile preferences and settings
• Communication history with our support team

Financial Information

• Bank account balances and transaction history
• Investment account holdings and performance data
• Credit card and loan information
• Income, expenses, and spending patterns
• Financial goals and risk preferences

Technical Information

• Device information and browser type
• IP address and location data
• Usage patterns and interaction data
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to provide, maintain, and improve our financial advisory services:

• Analyze your financial situation and provide personalized recommendations
• Execute automated financial optimizations with your consent
• Monitor account performance and track financial progress
• Detect optimization opportunities and potential cost savings
• Provide customer support and respond to inquiries
• Improve our AI algorithms and service quality
• Comply with legal and regulatory requirements

4. Third-Party Integrations

Plaid Integration

We use Plaid to securely connect to your financial accounts. Plaid's privacy policy governs their collection and use of your financial data. We receive aggregated account information but do not store your banking credentials.

Investment Platform APIs

We may integrate with investment platforms like Alpaca to provide automated trading services. These integrations are subject to their respective privacy policies and security measures.

AI and Analytics Services

We use OpenAI and other AI services to analyze your financial data and generate recommendations. Financial data sent to these services is anonymized and encrypted.

5. Information Sharing

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

• With your consent: When you explicitly authorize information sharing
• Service providers: With trusted partners who help us provide our services
• Legal requirements: When required by law or to protect our legal rights
• Business transfers: In connection with mergers, acquisitions, or sales
• Security purposes: To prevent fraud or investigate suspected illegal activity

6. Data Security

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

• Bank-level encryption for data transmission and storage
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• SOC 2 Type II compliance
• Limited access controls and employee training
• Secure cloud infrastructure with AWS

7. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations:

• Account information: Until account deletion plus 7 years for compliance
• Financial data: 7 years from last transaction for regulatory compliance
• Usage data: 2 years for service improvement purposes
• Communication records: 3 years for customer support purposes

8. Your Privacy Rights

You have the following rights regarding your personal information:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service
• Restriction: Limit how we process your information
• Objection: Object to certain types of data processing

To exercise these rights, please contact us at privacy@equo.app.

9. Cookies and Tracking

We use cookies and similar technologies to improve your experience:

• Essential cookies for website functionality
• Analytics cookies to understand usage patterns
• Preference cookies to remember your settings
• Security cookies to protect against fraud

You can control cookie preferences through your browser settings.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international transfers, including adequacy decisions and standard contractual clauses.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or through our service. Your continued use after changes constitutes acceptance of the updated policy.

12. Contact Us

For questions about this Privacy Policy or to exercise your privacy rights, contact us at:

Email: privacy@equo.app
Data Protection Officer: dpo@equo.app
Address: [Company Address]