1. Information We Collect
We collect the following information when you register and use our platform:
- Account Data: Full name, email address, phone number, and country
- Financial Inputs: Scenario data you enter to run prediction models
- Payment Data: Transaction references (we do not store card numbers or M-Pesa PINs)
- Usage Data: Pages visited, models run, and time spent on the platform
- Communications: Messages sent via our anonymous expert chat
2. How We Use Your Information
- To provide and improve our financial prediction services
- To process payments and send receipts
- To send important account notifications and system alerts
- To respond to your support requests
- To detect and prevent fraud and abuse
- To send newsletters (only with your consent — you may unsubscribe at any time)
3. Anonymous Chat
Our expert chat system is designed with anonymity in mind. We do not share your identity with domain experts. Chat transcripts are stored to maintain conversation history but are not associated with your public profile.
4. Data Sharing
We do not sell, trade, or rent your personal information to third parties. We may share data with:
- Payment processors (M-Pesa, PayPal) solely to process transactions
- Email service providers to deliver account notifications
- Law enforcement when required by law or to prevent fraud
5. Data Security
We implement industry-standard security measures including:
- Password hashing using bcrypt
- CSRF protection on all forms
- Input sanitization to prevent injection attacks
- Secure session management
- HTTPS encryption for data in transit
6. Data Retention
We retain your data as long as your account is active. If you delete your account, we remove your personal data within 30 days, except where retention is required by law (e.g., financial transaction records for 7 years).
7. Your Rights
You have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate data
- Request deletion of your account and personal data
- Opt out of marketing communications
- Receive a copy of your data in a portable format
8. Cookies
We use session cookies to maintain your logged-in state and remember your preferences. We do not use tracking or advertising cookies.
9. Children's Privacy
InsightFinances is not intended for users under 18 years of age. We do not knowingly collect personal data from minors.
10. Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of significant changes via email and update the effective date above.
11. Contact Us
For privacy concerns or data requests, contact us at: financialadvisorysystem@gmail.com or use our Contact Page.