Privacy Policy

WealthEngine Pro ("we," "us," or "our") operates the website at www.wealthenginepro.com and related services (collectively, the "Platform"). We are a financial research and analysis publication that provides quantitative scoring, trade ideas, market research, and portfolio tracking tools for options traders and income-focused investors.

This Privacy Policy describes how we collect, use, store, share, and protect your personal information, including nonpublic personal information ("NPI") as defined under the Gramm-Leach-Bliley Act ("GLBA"). This policy also addresses your rights under the California Consumer Privacy Act and the California Privacy Rights Act (collectively, "CCPA/CPRA") and other applicable state privacy laws.

By creating an account or using the Platform, you acknowledge that you have read and understand this Privacy Policy. If you do not agree with our practices, please do not use the Platform.

1. Information We Collect

1.1 Information You Provide Directly

• Account Information: Name, email address, and password (stored in hashed form) when you create an account.
• Subscription and Billing Information: Payment details are processed by our third-party payment processor, Stripe, Inc. We do not store your credit card number, CVV, or full payment card details on our servers. We may receive and store limited payment information from Stripe, such as the last four digits of your card, card type, and billing address, for record-keeping purposes.
• Profile and Preferences: Any optional profile information, preferences, or settings you configure within the Platform.
• Communications: Information you provide when you contact us for support or submit feedback.

1.2 Brokerage Account Data (via SnapTrade)

If you choose to connect a brokerage account through our integration with SnapTrade, we collect and store the following financial data with your explicit authorization:

• Account Metadata: Account type (e.g., individual, IRA), brokerage institution name, and account identifiers.
• Holdings and Positions: Securities held, quantities, cost basis (if available), and open options positions including expiration dates and strike prices.
• Account Balances: Total account value, cash balances, and buying power.
• Transaction History: Buy and sell transactions (if synced) for performance calculation purposes.

1.3 Information Collected Automatically

• Session Data: Session identifiers and authentication tokens necessary to keep you logged in and secure your account.
• Technical Data: IP address, browser type and version, operating system, and device information collected through standard web server logs.
• Usage Patterns: Pages visited and features used within the Platform for the purpose of improving our services. We do not currently use third-party analytics tracking tools (such as Google Analytics).

1.4 Information We Do Not Collect

We do not collect biometric data, precise geolocation data, audio or video recordings, or data from social media accounts unless you voluntarily provide it.

2. How We Use Your Information

We use the information we collect for the following purposes:

We do not use your information to: generate personalized investment advice or portfolio-specific trade suggestions; sell, rent, or trade your personal or financial information to third parties; target you with third-party advertising; or make automated decisions that produce legal or similarly significant effects on you.

3. How We Share Your Information

We share your information only with the following categories of service providers, and only to the extent necessary to operate the Platform:

We do not sell your personal information. We do not share your personal information with advertisers, data brokers, or unaffiliated third parties for their own marketing purposes.

We may also disclose your information if required by law, court order, or governmental regulation; if necessary to protect the rights, property, or safety of WealthEngine Pro, our users, or the public; or in connection with a merger, acquisition, or sale of all or a portion of our assets (in which case you would be notified).

4. How We Protect Your Information

We maintain a written information security program in compliance with the Gramm-Leach-Bliley Act Safeguards Rule. Our security measures include:

Technical Safeguards

• Encryption in Transit: All data transmitted between your browser and our servers is encrypted using TLS (Transport Layer Security). All API communications use HTTPS.
• Encryption at Rest: Your data stored in our database is encrypted at rest using industry-standard encryption provided by our managed database infrastructure.
• Password Security: User passwords are cryptographically hashed and salted. We never store passwords in plaintext. Even our staff cannot view your password.
• SnapTrade Token Security: Brokerage connection tokens provided by SnapTrade are encrypted at rest in our database.

Administrative Safeguards

• Access Controls: Access to user data is restricted on a role-based, least-privilege basis. Only authorized personnel with a legitimate business need may access personal information.
• Qualified Individual: We have designated a qualified individual responsible for overseeing and implementing our information security program, as required by the GLBA Safeguards Rule.
• Vendor Oversight: We evaluate the security practices of our third-party service providers and require them to maintain appropriate safeguards for user data.

Incident Response

We maintain an incident response plan to address potential data breaches. In the event of a security incident affecting your personal information, we will notify you and any applicable regulatory authorities in accordance with federal and state notification requirements.

No system is 100% secure. While we implement commercially reasonable safeguards, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

5. Data Retention

We retain your information only as long as reasonably necessary to fulfill the purposes described in this policy, unless a longer retention period is required by law.

When data reaches the end of its retention period or you request deletion, we permanently delete or irreversibly anonymize the information. Backups containing deleted data are overwritten in accordance with our standard backup rotation schedule.

6. Your Rights and Choices

6.1 All Users

• Access Your Data: You can view your account information and synced brokerage data at any time through your account settings on the Platform.
• Update Your Information: You can update your name, email address, and preferences through your account settings.
• Disconnect Brokerage: You can disconnect your brokerage account at any time through account settings. Synced data will be deleted per our retention schedule.
• Delete Your Account: You can request deletion of your account and associated data by contacting support@wealthenginepro.com. We will process your request within 30 days.
• Opt Out of Communications: You can opt out of non-essential emails at any time. Transactional emails related to your account and subscription cannot be opted out of while your account is active.

6.2 California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act and the California Privacy Rights Act:

• Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you, the sources from which it was collected, the business purpose for collecting it, and the categories of third parties with whom it has been shared.
• Right to Delete: You may request the deletion of personal information we have collected from you, subject to certain exceptions permitted by law.
• Right to Correct: You may request correction of inaccurate personal information.
• Right to Opt Out of Sale/Sharing: We do not sell or share your personal information as those terms are defined under the CCPA/CPRA. A "Do Not Sell or Share My Personal Information" link is provided on our website.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights. You will not receive different pricing, service levels, or quality based on exercising your rights.

How to Submit a Request: To exercise any of the rights listed above, contact us at support@wealthenginepro.com with the subject line "Privacy Rights Request." We will verify your identity before processing your request and respond within 45 days. If we need additional time, we will notify you of the extension and the reason.

6.3 GLBA Privacy Notice

Consistent with the GLBA Privacy Rule, we provide this notice to inform you of our data collection, sharing, and protection practices related to your nonpublic personal information (NPI). The categories of NPI we collect, the purposes for which we use it, and the parties with whom we share it are described in Sections 1 through 3 of this Privacy Policy.

Opt-Out Right: Under the GLBA, you have the right to opt out of certain types of information sharing with nonaffiliated third parties. Because we do not share your NPI with nonaffiliated third parties for their own marketing or other purposes (other than to our service providers as described in Section 3), there is currently no need for you to opt out. If our practices change, we will provide you with an updated notice and an opportunity to opt out before any such sharing occurs.

7. Cookies and Tracking Technologies

We use a limited set of cookies and similar technologies strictly for Platform functionality:

• Session Cookies: Used to keep you logged in and maintain your session. These are essential for the Platform to function and cannot be disabled.
• Preference Cookies: Used to remember your settings and preferences within the Platform.

We do not use third-party advertising cookies, social media tracking pixels, or cross-site tracking technologies. We do not currently use third-party analytics services such as Google Analytics.

8. Children's Privacy

The Platform is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child under 18 has provided us with personal information, please contact us at support@wealthenginepro.com and we will promptly delete it.

9. Third-Party Links and Services

The Platform may contain links to third-party websites or reference third-party products and services. This Privacy Policy applies only to WealthEngine Pro. We are not responsible for the privacy practices, content, or security of third-party sites. We encourage you to review the privacy policies of any third-party services you interact with.

10. Data Storage and Transfers

Your information is stored on servers located in the United States, provided by DigitalOcean (database infrastructure) and Vercel (frontend hosting). If you access the Platform from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those of your jurisdiction.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. When we make material changes, we will:

• Notify you by email at the address associated with your account
• Update the "Effective Date" and version number at the top of this policy
• Post the updated policy on the Platform

Your continued use of the Platform after the effective date of a revised Privacy Policy constitutes your acceptance of the changes. We encourage you to review this policy periodically.

12. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about our data practices, please contact us:

WealthEngine Pro

Email: support@wealthenginepro.com

For privacy rights requests specifically, please use the subject line "Privacy Rights Request" so we can route your inquiry promptly.

13. Annual Privacy Notice (GLBA)

In accordance with the Gramm-Leach-Bliley Act, we provide this Privacy Policy as our annual privacy notice. You will receive an updated notice at least once per year, and whenever we make material changes to our information collection, sharing, or protection practices. This notice is delivered electronically to the email address associated with your account.

Appendix A: CCPA/CPRA Information Disclosure

The following table lists the categories of personal information we have collected within the preceding 12 months, as defined by the California Consumer Privacy Act:

Categories NOT collected: Protected classification characteristics (race, religion, sexual orientation, etc.); biometric information; sensory data (audio, visual, thermal); professional or employment information; education information; inferences drawn to create a consumer profile.

Sale or Sharing of Personal Information: We have not sold or shared (as defined by the CCPA/CPRA) any personal information in the preceding 12 months. We have no plans to do so.

Sensitive Personal Information: Financial account information (brokerage data) is considered sensitive personal information under the CCPA/CPRA. This data is used solely to provide the portfolio tracking services you have authorized, and we do not use or disclose it for purposes other than those permitted under the CCPA/CPRA.