Privacy Policy

We use the information we collect to:

• Provide and maintain our educational services: Create and manage your account, deliver educational content, and provide customer support.
• Personalize your experience: Track your learning progress, recommend relevant content, and customize the platform to your preferences.
• Analyze and improve our platform: Understand how users interact with our content, identify areas for improvement, and develop new educational features.
• Communicate with you: Send important updates about your account, educational content, platform changes, and respond to your inquiries.
• Ensure security and prevent fraud: Protect against unauthorized access, detect suspicious activity, and maintain the integrity of our platform.
• Comply with legal obligations: Meet regulatory requirements and respond to lawful requests from authorities.

We do not sell, rent, or trade your personal information. Period.

We may share your information only in these limited situations:

• With your explicit consent: When you authorize us to share specific information with third parties.
• With trusted service providers: Third-party companies that help us operate our platform (e.g., Plaid for financial connections, email services, analytics tools). These providers are contractually obligated to protect your data and use it only for the services they provide to us.
• For legal compliance: When required by law, regulation, legal process, or governmental request.
• To protect rights and safety: When necessary to protect our rights, property, or safety, or that of our users or the public.
• Business transfers: In connection with a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred to the acquiring entity.
• Aggregated or anonymized data: We may share statistical or aggregated information that does not personally identify you for research, marketing, or analytics purposes.

We implement industry-standard security measures to protect your information from unauthorized access, disclosure, alteration, and destruction. Our security practices include:

• Encryption: All data transmitted between your device and our servers is encrypted using 256-bit SSL/TLS encryption.
• Secure data storage: Your data is stored on secure servers with strict access controls and monitoring.
• Authentication: Multi-factor authentication options to protect your account.
• Regular security audits: We conduct regular security assessments and penetration testing.
• Employee training: Our team is trained on data privacy and security best practices.
• Limited access: Only authorized personnel have access to your information, and only when necessary to provide services.

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Update or correct inaccurate or incomplete information.
• Deletion: Request deletion of your account and associated data (subject to legal retention requirements).
• Data portability: Request your data in a structured, machine-readable format.
• Opt-out: Unsubscribe from marketing communications at any time.
• Withdraw consent: Withdraw consent for data processing where we rely on your consent as the legal basis.
• Object to processing: Object to certain types of data processing, including direct marketing.
• Restrict processing: Request that we limit how we use your information in certain circumstances.

To exercise any of these rights, please contact us at privacy@theblackinvestor.com or through your account settings.

We use cookies, web beacons, and similar tracking technologies to enhance your experience, remember your preferences, and analyze platform usage. Types of cookies we use include:

• Essential cookies: Required for the platform to function properly (e.g., authentication, security).
• Preference cookies: Remember your settings and preferences.
• Analytics cookies: Help us understand how you use the platform to improve our services.
• Marketing cookies: Used to deliver relevant content and measure campaign effectiveness (with your consent).

You can control cookies through your browser settings. Note that disabling certain cookies may affect platform functionality. Most browsers allow you to refuse or accept cookies, delete existing cookies, and set preferences for certain websites.

We use trusted third-party services to provide and improve our platform. These include:

• Plaid: Securely connects to your financial institutions. Plaid has its own privacy policy and security practices. We recommend reviewing Plaid's privacy policy.
• Analytics providers: Help us understand user behavior and improve our platform.
• Email and communication services: Deliver important updates and notifications.
• Cloud infrastructure: Provide secure hosting and data storage.
• Customer support tools: Enable us to provide assistance and resolve issues.

These third parties are contractually obligated to protect your data and use it only for the services they provide to us. Each service has its own privacy policy governing how they handle your information.

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods include:

• Account information: Retained while your account is active and for a reasonable period afterward to comply with legal requirements.
• Financial data: Retained according to financial record-keeping requirements (typically 7 years).
• Learning progress: Retained while your account is active or until you request deletion.
• Marketing data: Retained until you unsubscribe or request deletion.

When you delete your account, we will delete or anonymize your information within 90 days, except where we must retain it for legal compliance, fraud prevention, or legitimate business purposes.

The Black Investor is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are under 18, you must have parental or guardian consent to use our platform.

If we become aware that we have collected personal information from a child under 13 without parental consent, we will take steps to delete that information promptly. If you believe we have collected information from a child under 13, please contact us immediately at privacy@theblackinvestor.com.

The Black Investor is operated in the United States. If you are accessing our platform from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located.

By using our platform, you consent to the transfer of your information to the United States and acknowledge that data protection laws in the United States may differ from those in your country. We take appropriate safeguards to protect your information in accordance with this Privacy Policy.

For users in the European Economic Area (EEA), United Kingdom, or Switzerland, we comply with GDPR requirements and provide appropriate data protection safeguards.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by:

• Sending an email to the address associated with your account
• Posting a notice on our platform
• Updating the "Last updated" date at the top of this policy

Your continued use of the platform after any changes to this Privacy Policy constitutes your acceptance of the updated policy. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

We aim to respond to all privacy-related inquiries within 30 days. For urgent matters, please indicate "URGENT" in your email subject line.