Privacy Policy

Introduction

Swrl LLC ("we", "us", or "our") operates Market News AI, an educational market-news analysis platform. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website marketnewsai.com (formerly chatmmm.com), iOS and Android apps, and related services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

1. Information We Collect

1.1 Personal Information

When you register for an account, we may collect:

• Email address: Used for account authentication, service communications, and promotional content including market updates and platform announcements
• Password: Securely hashed and stored for account access
• Subscription information: Plan type (Starter or Pro), billing cycle
• Account preferences: Watchlist companies, selected interests and story categories, saved preferences, and notification settings.
• AI conversations: Questions, messages, and relevant context you submit to Vance. Avoid including sensitive personal or financial information in messages.
• Push notifications: Device push tokens used to deliver alerts you enable.
• Payment information: Processed securely through Stripe (web), Google Play (Android), or Apple App Store (iOS). We do not store credit card numbers or bank details. For Google Play purchases, we receive purchase tokens, subscription status (active, trial, cancelled, expired), and product identifiers solely to manage your account access. For Apple App Store purchases, we receive transaction receipts and subscription status to verify and manage your account access.
• Feedback you send us: Feedback you submit through the website's feedback card (the answer you pick, the reason you choose, any comment, your platform, and how many visits and stories you had read) is stored as a support ticket so we can act on it. If you tick "OK to email me about this" we may reply to that feedback by email. We also count answers in aggregate to improve Market News AI. The mobile app does not run this survey. A rating or review you leave through the App Store or Google Play prompt is collected by Apple or Google under their own privacy terms; we only see what they publish on our store listing.

1.2 Usage Information

We automatically collect certain information when you use our Service:

• Log data: IP address, browser type, operating system, access times
• Device information: Device type, unique device identifiers
• Usage data: Pages visited, features used, search queries, briefing views, story opens, and performance metrics
• Cookies and tracking: We use cookies and similar technologies to track activity and hold certain information

2. How We Use Your Information

We use the information we collect for the following purposes:

• Provide and maintain the Service: Create and manage your account, deliver content, process transactions
• Improve our Service: Analyze usage patterns to enhance user experience and develop new features
• Communicate with you: Send account updates, security alerts, support messages, market alerts, and promotional communications. Promotional communications are subject to your preferences and applicable consent requirements. You may opt out using the unsubscribe link in promotional email. Account security and essential service messages may still be sent.
• Process payments: Handle billing and subscription management through Stripe, Google Play, and Apple App Store
• Security and fraud prevention: Detect and prevent unauthorized access, abuse, or fraudulent activity
• Legal compliance: Comply with applicable laws, regulations, and legal processes

3. Information Sharing and Disclosure

We use service providers for the purposes described below. We do not sell personal information for money. Advertising measurement can be treated as sharing under some privacy laws. We may disclose information in the following circumstances:

3.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf:

• Stripe: Payment processing — web (subject to Stripe's Privacy Policy)
• Google Play: Payment processing — Android (subject to Google's Privacy Policy)
• Apple App Store: Payment processing — iOS (subject to Apple's Privacy Policy)
• Google and Apple: Authentication services when you choose their sign-in options.
• OpenAI: AI processing of questions, messages, and relevant market or watchlist context used to generate responses. AI providers process submitted data under their applicable terms and our service configuration.
• Expo, Apple, and Google: Push-notification routing and delivery using device tokens and notification content.
• Resend and configured email providers: Delivery of account, support, and other service communications.
• Cloud hosting providers: Data storage and infrastructure
• HeyCatch and other configured analytics providers: Usage analysis, feature events, and performance monitoring. Signed-in activity may be associated with your account identifier, email, name, and plan.
• OpenAI advertising measurement: Our website loads a measurement pixel and reports checkout, trial, and subscription events, including event identifiers, plan, amount, and currency. The pixel may also process browser, device, and page information under the provider's terms.

3.2 Legal Requirements

We may disclose your information if required by law or in response to valid requests by public authorities (e.g., court orders, subpoenas, or government investigations).

3.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4. Data Security

We implement appropriate technical and organizational security measures to protect your personal information:

• Passwords are hashed using industry-standard algorithms (bcrypt)
• Data transmission is encrypted using HTTPS/TLS
• Access to personal information is restricted to authorized personnel only
• Security controls and software updates to address identified issues

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security.

5. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this Privacy Policy.

When you close your account, we will delete or anonymize your personal information within a reasonable timeframe, except where we are required to retain it for legal, regulatory, or fraud prevention purposes.

6. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request transfer of your data to another service
• Objection: Object to certain types of processing
• Withdraw consent: Withdraw consent for processing where we rely on consent

To exercise these rights, please contact us using the form below. We will respond within the period required by applicable law and may need to verify your identity.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Service and hold certain information. Cookies are files with small amounts of data that are sent to your browser from a website and stored on your device.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

8. Third-Party Links

Our Service may contain links to third-party websites (e.g., news sources, financial data providers). We are not responsible for the privacy practices or content of these third-party sites. We encourage you to read the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will delete such information.

10. International Data Transfers

Your information may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ. By using our Service, you consent to the transfer of your information to the United States and other jurisdictions.

11. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect and how it's used
• Right to delete personal information (subject to certain exceptions)
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your CCPA rights

12. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

13. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please reach out using the form below.