Effective Date: March 11, 2026

Last Updated: March 11, 2026

TradePlanner.ai ("Trade Planner," "we," "us," or "our") is a product of Pearl Street Capital, doing business as (d/b/a) TradePlanner.ai. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at tradeplanner.ai and use our services (collectively, the "Service"). Please read this Privacy Policy carefully. By using the Service, you consent to the practices described herein.

1. Information We Collect

1.1 Information You Provide Directly

Account Information: When you create an account, we may collect your name, email address, and authentication credentials (e.g., Google Sign-In, email/password).
Trade Data: If you import trade history via CSV upload or brokerage connection (e.g., through SnapTrade), we collect your trade records, including symbols, dates, quantities, prices, and account identifiers.
User-Generated Content: Notes, journal entries, tags, and other content you create within the Service.
Communications: When you contact us via email or through the Service, we collect the content of those communications.
Beta Access Requests: If you sign up for beta access or our mailing list, we collect your email address.

1.2 Information Collected Automatically

Usage Data: Pages visited, features used, timestamps, and interaction patterns.
Device Information: Browser type, operating system, device type, screen resolution, and language preferences.
Log Data: IP address, referring URLs, and access timestamps.
Cookies and Similar Technologies: See Section 5 below for detailed information about our use of cookies.

1.3 Information from Third-Party Services

Brokerage Data (via SnapTrade): If you connect a brokerage account, we receive trade activity, account holdings, and connection metadata through SnapTrade's secure API. We do not receive or store your brokerage login credentials.
Authentication Providers: If you sign in with Google or Apple, we receive your name, email, and profile picture from the respective provider.

2. How We Use Your Information

We use the information we collect to:

Provide and operate the Service, including trade journaling, AI-powered categorization, coaching insights, analytics, and portfolio tracking.
Improve and personalize your experience, including AI recommendations tailored to your trading patterns.
Communicate with you, including responding to inquiries, sending service-related notices, and (with your consent) marketing communications.
Ensure security and prevent fraud, including monitoring for suspicious activity and enforcing our Terms of Service.
Comply with legal obligations and respond to lawful requests from public authorities.
Display advertisements through Google AdSense (see Section 5).

3. We Do Not Sell Your Data

We do not sell, rent, lease, or trade your personal information or trade data to any third party — period. Your trade history, journal entries, portfolio data, and personal information are yours. We will never monetize your data by selling it to data brokers, hedge funds, market makers, or any other entity.

We only share data with third parties as strictly necessary to operate the Service (see Section 4), and never for the purpose of allowing those third parties to market to you or profit from your information.

4. How We Share Your Information

We may share your information only in the following limited circumstances:

Service Providers: We use trusted third-party services to operate the platform, including Firebase/Google Cloud (hosting, authentication, database), SnapTrade (brokerage connections), and xAI/Grok (AI analysis). These providers process data solely on our behalf and are contractually obligated to protect it.
Advertising Partners: Google AdSense may use cookies to serve personalized ads. Google may collect certain usage data through these cookies. See Section 5 for details and opt-out options.
Legal Requirements: We may disclose information if required to do so by law, court order, or governmental regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
Business Transfers: If Trade Planner or Pearl Street Capital is acquired, merged, or sells substantially all of its assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership.

5. Cookies, Tracking, and Advertising

5.1 Cookies We Use

Essential Cookies: Required for authentication, session management, and core functionality.
Analytics Cookies: Help us understand how visitors interact with the Service so we can improve it.
Advertising Cookies: Used by Google AdSense and its partners to serve relevant ads based on your browsing history.

5.2 Google AdSense

We use Google AdSense to display advertisements on the Service. Google and its certified ad networks may use cookies (including the DoubleClick cookie) to serve ads based on your prior visits to our website and other websites on the Internet.

Google's use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet.
You may opt out of personalized advertising by visiting Google Ads Settings.
You may also opt out of third-party vendor cookies by visiting www.aboutads.info/choices.

5.3 Do Not Track

Some browsers include a "Do Not Track" (DNT) signal. Because there is no accepted standard for how to respond to DNT signals, we do not currently respond to them. However, you can manage your cookie preferences through your browser settings.

6. Data Security

We implement commercially reasonable technical and organizational security measures to protect your data, including:

Encryption of data in transit (TLS/HTTPS) and at rest.
Firebase Authentication for secure identity management.
Server-side API key management — sensitive credentials are never exposed to the client.
Firestore security rules that isolate user data so you can only access your own records.
SnapTrade's secure, tokenized brokerage connections — we never see or store your brokerage passwords.

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

7. Data Retention

We retain your personal information and trade data for as long as your account is active or as needed to provide you with the Service. If you request account deletion, we will delete your data within 30 days, except where we are required to retain it for legal, accounting, or regulatory purposes.

8. Your Rights and Choices

8.1 Access and Portability

You have the right to request a copy of the personal data we hold about you in a structured, machine-readable format.

8.2 Correction

You may update or correct your account information at any time through the Service or by contacting us.

8.3 Deletion

You may request deletion of your account and associated data. Upon receiving a verified deletion request, we will delete your data within 30 days, subject to any legal retention obligations.

8.4 Marketing Opt-Out

You may opt out of marketing emails at any time by clicking the "unsubscribe" link in any marketing email or by contacting us directly.

8.5 Cookie Management

You can control and delete cookies through your browser settings. Note that disabling certain cookies may affect the functionality of the Service.

9. California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you additional rights regarding your personal information:

Right to Know: You may request that we disclose what personal information we have collected, used, disclosed, and sold about you.
Right to Delete: You may request deletion of your personal information, subject to certain exceptions.
Right to Opt-Out of Sale: We do not sell your personal information. No opt-out is necessary because we do not engage in the sale of personal data.
Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

10. International Users

The Service is operated from the United States. If you are accessing the Service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States. By using the Service, you consent to the transfer of your information to the United States.

If you are in the European Economic Area (EEA), United Kingdom, or other jurisdiction with data protection laws, you may have additional rights under the General Data Protection Regulation (GDPR) or similar legislation, including the right to access, rectify, port, and erase your data, as well as the right to restrict or object to certain processing. To exercise these rights, contact us at the email below.

11. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information as quickly as possible. If you believe a child has provided us with personal information, please contact us immediately.

12. Third-Party Links

The Service may contain links to third-party websites or services that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policy of every site you visit.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of the Service after any changes constitutes your acceptance of the updated Privacy Policy.

14. Contact Us

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

Email: tradeplanner@pearlstreetcapital.com
Entity: Pearl Street Capital, d/b/a TradePlanner.ai
Location: Seattle, WA