PulseIQ - Market Intelligence

PulseIQ – Privacy Policy (Canada & United States) Effective Date: [DATE] Last Updated: [DATE]

Introduction [COMPANY NAME], operating as PulseIQ ("PulseIQ," "we," "us," or "our"), is committed to protecting the accuracy, security, and privacy of your personal information.

This Privacy Policy explains how we collect, use, disclose, store, and safeguard personal information in compliance with:

Canada: Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial laws, including Quebec's Law 25 United States: Applicable state privacy laws, including the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) By accessing or using PulseIQ, you consent to the data practices described in this Privacy Policy.

Information We Collect We collect personal information to provide financial summaries, market analytics, AI-powered features, and account services.

A. Information You Provide Identity Data: Name, email address Account & Profile Data: Username, encrypted password, preferences, watchlists AI Inputs: Text prompts or queries you submit (e.g., "Summarize Apple's Q3 risks") Support & Communications: Feedback, inquiries, or communications with our support team B. Information Collected Automatically Technical Data: IP address, device type (iOS/Android), operating system, browser type Usage Data: Clickstream activity, feature usage, time spent in the app, error logs, crash diagnostics Location Data: Approximate location derived from IP address (we do not collect precise GPS data) C. Payment Information Subscriptions and payments are processed by third-party providers (e.g., Stripe, Apple, Google).

PulseIQ does not store full credit card numbers or sensitive payment credentials.

How We Use Your Information We use personal information for the following purposes:

Service Delivery: To operate the platform, generate AI summaries, and synchronize watchlists AI Processing: To transmit relevant financial text or user inputs to AI service providers for summarization and analysis Security & Integrity: To authenticate users, prevent fraud, and protect accounts Communications: To send administrative messages, service updates, and (where permitted) marketing communications Improvement & Analytics: To monitor performance, debug issues, and improve features Marketing communications are sent only where consent is provided or permitted by law.

Artificial Intelligence & Data Privacy PulseIQ uses artificial intelligence technologies, including large language models ("LLMs"), to generate summaries and insights.

Processing: Certain inputs and public financial content may be processed by third-party AI providers (e.g., OpenAI, AWS) No Training on Personal Data: We do not permit your personal information, watchlists, or prompts to be used to train public or generalized AI models Quality Monitoring: AI outputs may be logged and retained temporarily to monitor errors ("hallucinations"), ensure quality, and improve system reliability 5. Sharing of Information We do not sell your personal information.

We may share personal information with:

A. Service Providers Third parties that process information on our behalf, including:

Hosting & Infrastructure: (e.g., AWS, Azure) AI Providers: (e.g., OpenAI) for content generation Analytics Providers: (e.g., Google Analytics) for performance measurement Payment Processors: (e.g., Stripe, Apple, Google) All service providers are contractually required to protect personal information.

B. Business Transactions In connection with a merger, acquisition, restructuring, or sale of assets, personal information may be transferred as part of that transaction.

C. Legal Requirements Where required to comply with applicable laws, regulations, subpoenas, or lawful requests from authorities.

International Data Transfers PulseIQ operates from [YOUR PRIMARY JURISDICTION], but our servers and service providers may be located in the United States or other jurisdictions.

For Canadian Users By using the Service, you acknowledge and consent to the transfer, storage, and processing of your personal information outside of Canada, including in the United States, where it may be subject to U.S. laws and lawful access requests by U.S. authorities.

Your Privacy Rights A. Canada (PIPEDA & Provincial Laws) Canadian users have the right to:

Access: Request a copy of personal information we hold about you Correction: Request correction of inaccurate or incomplete information Withdraw Consent: Withdraw consent for certain processing, subject to legal or contractual restrictions Quebec Residents (Law 25):

Right to information regarding automated decision-making Right to data portability, where applicable B. United States (California & Other States) Subject to applicable law, U.S. residents may have the right to:

Right to Know: Request categories of personal information collected, sources, and purposes Right to Delete: Request deletion of personal information Right to Opt-Out: Opt out of the "sale" or "sharing" of personal information (Note: PulseIQ does not sell personal information for monetary value. Certain analytics activities may be considered "sharing" under California law.)

Non-Discrimination: You will not be discriminated against for exercising privacy rights 8. Data Retention We retain personal information only for as long as necessary to fulfill the purposes outlined in this policy, including legal and operational requirements.

Account Data: Retained for the duration of your account AI Logs: Retained for [30–90 days] for quality assurance, then anonymized or deleted Legal Records: Retained as required by law 9. Security Safeguards We implement reasonable physical, administrative, and technical safeguards designed to protect personal information against unauthorized access, loss, or misuse.

However, no system is completely secure, and you acknowledge the inherent risks of online data transmission.

Children's Privacy The Service is not intended for individuals under 18 years of age.

We do not knowingly collect personal information from:

Children under 13 (United States) Children under 14 (Canada) If we become aware of such collection, we will take appropriate steps to delete the information.

Changes to This Privacy Policy We may update this Privacy Policy periodically. Material changes will be communicated through the Service or by email. Continued use of PulseIQ after updates constitutes acceptance of the revised policy.
Contact Us & Privacy Officer If you have questions, requests, or complaints regarding this Privacy Policy or wish to exercise your privacy rights, contact:

PulseIQ – Legal & Privacy Attn: Privacy Officer [COMPANY NAME] [MAILING ADDRESS] Email: [legal@yourdomain.com]

For Quebec residents, the person responsible for the protection of personal information is the Privacy Officer listed above.