Valarn Privacy Policy

Last Updated: [Insert Date]

Valarn respects your privacy. This Privacy Policy explains how Valarn collects, uses, stores, discloses, transfers, and protects information when you use our website, application, AI-generated stock research tools, reports, dashboards, subscriptions, alerts, advertising features, social sharing features, and related services.

This Privacy Policy applies to all users, including visitors, free users, paid subscribers, beta users, advertisers, partners, referral users, and users who access Valarn from outside the United States.

By using Valarn, you agree to this Privacy Policy. If you do not agree, do not use Valarn.

1. Who We Are

Valarn is an AI-powered stock research platform that provides educational and informational research tools for publicly traded companies, market trends, financial data, news, sentiment, technical analysis, fundamentals, earnings, catalysts, insider activity, valuation scenarios, risk analysis, and related workflows.

Valarn is operated by:

[Insert Legal Company Name]
[Insert Business Address]
Email: [Insert Privacy Email]
Website: https://valarn.com

2. Scope of This Policy

This Privacy Policy explains how we handle information related to:

website visitors;
account holders;
free users;
paid subscribers;
saved reports;
stock searches;
watchlists;
research history;
alerts and calendar events;
AI-generated reports;
uploaded content;
advertising and affiliate tracking;
support communications;
analytics and cookies;
billing and subscriptions.

This Privacy Policy does not apply to third-party websites, brokers, data providers, advertisers, payment processors, AI providers, social media platforms, or other third-party services that have their own privacy policies.

3. Information We Collect

We may collect information directly from you, automatically from your device, from third-party services, and from your use of Valarn.

3.1 Account Information

When you create an account or use Valarn, we may collect:

name;
email address;
username;
password or authentication credentials;
account ID;
organization or company name, if provided;
profile information;
account settings;
communication preferences;
subscription plan;
account status;
login history;
security settings.

3.2 Payment and Subscription Information

If you purchase a subscription, credits, or other paid features, we or our payment processor may collect:

billing name;
billing address;
payment method details;
subscription plan;
transaction history;
invoice details;
tax information;
renewal date;
cancellation status;
refund history;
failed payment records.

Valarn generally does not store full credit card numbers. Payment information is usually processed by a third-party payment processor such as [Insert Payment Processor, e.g., Stripe].

3.3 Research Activity and Saved Reports

Because Valarn stores and generates AI stock research, we may collect and store:

stock symbols searched;
companies viewed;
reports generated;
saved reports;
report history;
report timestamps;
report freshness metadata;
data sources used;
AI model selections;
report settings;
report depth choices;
bull/bear/neutral research stances;
research scores;
watchlists;
notes;
prompts;
thesis inputs;
scenario assumptions;
calendar events;
alert preferences;
notification history;
rerun or refresh history;
downloaded or exported reports;
shared report links;
user feedback on reports.

Even if a report is about a public company, the fact that a specific user searched, generated, saved, viewed, or shared that report may be personal information when tied to that user’s account.

3.4 AI Prompt and Output Information

When you use AI features, we may collect:

prompts;
stock symbols;
report settings;
model configuration;
uploaded context;
generated summaries;
generated reports;
AI-generated classifications;
AI-generated scores;
system usage logs;
model response metadata;
error logs;
feedback ratings;
safety flags.

3.5 Uploaded Content

If Valarn allows uploads, we may collect files or content you provide, including:

documents;
spreadsheets;
images;
notes;
screenshots;
research files;
financial documents;
user-provided datasets;
support attachments.

You should not upload confidential, sensitive, classified, regulated, insider, or third-party information unless you have permission and the applicable Valarn service supports that type of data.

3.6 Communications and Support

If you contact us, we may collect:

email messages;
chat messages;
support tickets;
feedback;
survey responses;
bug reports;
call or meeting notes;
contact preferences;
records of our responses.

3.7 Device, Usage, and Log Information

We may automatically collect:

IP address;
device type;
browser type;
operating system;
referring URLs;
pages viewed;
features used;
clicks;
session duration;
approximate location derived from IP address;
language settings;
time zone;
error logs;
performance logs;
security logs;
authentication logs;
cookie identifiers;
advertising identifiers;
analytics identifiers.

3.8 Cookies, Pixels, and Tracking Technologies

We may use cookies, pixels, tags, SDKs, scripts, local storage, and similar technologies to:

keep you signed in;
remember preferences;
operate the website;
secure accounts;
measure performance;
understand usage;
improve the product;
personalize content;
track referrals;
measure ads;
support affiliate programs;
deliver or measure advertising.

Tracking pixels can collect information about how users interact with pages and advertisements, and the FTC has noted that pixels and similar tracking tools can send details about web interactions to third parties.

3.9 Advertising, Affiliate, and Marketing Information

If Valarn uses advertising, affiliate links, sponsored placements, referral programs, or marketing tools, we may collect:

ad impressions;
ad clicks;
affiliate link clicks;
referral codes;
campaign source;
landing page;
conversion events;
subscription events;
email engagement;
marketing preferences;
cookie or pixel identifiers;
advertising segment information;
approximate location;
device information.

Some advertising may be contextual. Some advertising may be personalized based on usage, preferences, device information, or permitted tracking data.

3.10 Social Media and Shared Content

If you interact with Valarn through social media or share Valarn content, we may collect:

social media username;
public profile information;
comments;
likes;
shares;
messages;
referral traffic;
shared report links;
public posts mentioning Valarn;
campaign engagement.

Social media platforms may separately collect information under their own privacy policies.

3.11 Information From Third Parties

We may receive information from:

payment processors;
authentication providers;
analytics providers;
advertising networks;
affiliate platforms;
email providers;
data vendors;
AI model providers;
security tools;
social media platforms;
referral partners;
publicly available sources.

4. How We Use Information

We may use information to:

provide Valarn;
create and manage accounts;
generate AI stock research reports;
save reports and research history;
maintain watchlists;
manage alerts and calendar events;
process subscriptions and payments;
enforce usage limits;
provide customer support;
improve AI report quality;
personalize user experience;
debug errors;
prevent fraud and abuse;
secure accounts and systems;
detect suspicious activity;
comply with legal obligations;
send service messages;
send marketing communications where permitted;
measure advertising performance;
operate affiliate and referral programs;
analyze product usage;
improve platform performance;
conduct internal research and analytics;
enforce our Terms of Service.

5. How We Use AI-Related Data

Valarn may process your prompts, stock symbols, report settings, uploaded content, saved report context, and related data through AI systems to generate reports, summaries, classifications, scores, explanations, and research-style outputs.

We may use AI-related data to:

generate requested reports;
improve report formatting;
improve product reliability;
detect errors;
enforce safety controls;
prevent abuse;
provide support;
debug model failures;
evaluate report quality;
improve user experience;
manage costs and usage limits.

Valarn does not permit third-party AI providers to train their general models on private user reports, saved watchlists, user notes, or account-specific research history unless disclosed separately or authorized by the user.

This statement should only be published if it matches your actual AI provider settings and agreements.

6. Legal Bases for Processing EU/UK Personal Data

For users in the European Economic Area, United Kingdom, or similar jurisdictions, we process personal data under one or more legal bases, including:

Contract: to provide Valarn, manage accounts, generate reports, process subscriptions, and deliver requested features.
Consent: for certain cookies, marketing emails, targeted advertising, or optional features where required.
Legitimate interests: to improve Valarn, prevent fraud, secure the platform, analyze usage, and support business operations.
Legal obligation: to comply with tax, accounting, regulatory, security, or legal requirements.
Vital interests or public interest: only where applicable and required by law.

7. How We Share Information

We may share information with service providers, business partners, advertisers, affiliates, legal authorities, or other third parties as described below.

7.1 Service Providers

We may share information with vendors that help us operate Valarn, including:

cloud hosting providers;
database providers;
payment processors;
AI model providers;
market data providers;
analytics providers;
email providers;
customer support tools;
security tools;
error monitoring tools;
advertising technology providers;
affiliate tracking providers;
authentication providers.

These providers may process information on our behalf or under their own terms depending on the service.

7.2 AI Model Providers

Some AI features may require us to send prompts, stock symbols, report settings, uploaded content, saved report context, or related data to third-party AI model providers.

We use these providers to generate, summarize, classify, or analyze research content.

7.3 Payment Processors

Payment information may be processed by third-party payment processors. They may collect and process payment data according to their own privacy policies and legal obligations.

7.4 Advertising and Affiliate Partners

If we use ads, sponsored content, affiliate links, retargeting, or referral tracking, we may share or allow collection of:

device information;
cookie identifiers;
ad identifiers;
IP address;
usage events;
conversion events;
referral codes;
campaign data;
page interactions.

This may be considered “sharing” or “selling” personal information under certain privacy laws if used for cross-context behavioral advertising or targeted advertising.

7.5 Analytics Providers

We may share usage, device, and event data with analytics providers to understand how users interact with Valarn and improve the platform.

7.6 Legal, Safety, and Compliance

We may disclose information when we believe it is necessary to:

comply with law;
respond to legal process;
protect rights, property, or safety;
prevent fraud;
investigate abuse;
enforce our Terms;
protect users;
detect security incidents;
comply with tax, accounting, or regulatory obligations.

7.7 Business Transfers

If Valarn is involved in a merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or similar transaction, user information may be transferred as part of that transaction.

7.8 With Your Direction or Consent

We may share information when you direct us to do so, such as when you:

share a report;
export data;
connect an integration;
invite another user;
publish content;
authorize a third-party service.

8. Cookies and Tracking Choices

We may use essential, functional, analytics, advertising, affiliate, and personalization cookies.

Where required by law, we may request consent before using non-essential cookies or similar technologies.

You may be able to control cookies through:

browser settings;
cookie banner;
cookie preference center;
device settings;
advertising industry opt-out tools;
privacy browser extensions;
Global Privacy Control, where applicable.

If you disable cookies, some Valarn features may not work properly.

9. Targeted Advertising and Opt-Out Rights

Valarn may use or allow third parties to use information for targeted advertising, retargeting, affiliate attribution, and ad measurement.

California’s CCPA/CPRA gives California consumers certain rights, including the right to opt out of sale or sharing of personal information. The California Attorney General states that businesses cannot sell or share personal information after receiving a valid opt-out request unless the consumer later authorizes it again.

If applicable, Valarn will provide a method to opt out, such as:

Do Not Sell or Share My Personal Information
[Insert Opt-Out Link]

We may also honor Global Privacy Control signals where required by law.

10. Marketing Communications

We may send you marketing emails, newsletters, product updates, offers, educational content, or promotional messages where permitted.

You can unsubscribe from marketing emails by using the unsubscribe link or contacting us.

Even if you opt out of marketing emails, we may still send service-related messages, such as account, billing, security, legal, or transactional notices.

11. Data Retention

We retain information for as long as reasonably necessary to provide Valarn, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud, maintain security, and support business operations.

Retention periods may vary by data type.

Examples:

account data: retained while your account is active;
saved reports: retained according to your plan, account status, or retention settings;
billing records: retained as required for tax, accounting, and legal purposes;
security logs: retained for fraud prevention and security;
support communications: retained for customer service and legal purposes;
analytics data: retained according to analytics settings;
deleted account data: may remain temporarily in backups or logs.

Valarn may delete inactive accounts, expired trial accounts, abandoned accounts, canceled accounts, or stored reports according to its retention schedule.

12. Saved Reports and Research History Retention

Saved reports, watchlists, stock searches, notes, alerts, calendar events, and research history may be retained while your account is active or as allowed by your subscription plan.

If you cancel, downgrade, or delete your account, you may lose access to saved reports or research history.

Some report metadata may be retained for security, billing, fraud prevention, compliance, dispute resolution, platform reliability, or audit trail purposes.

You are responsible for exporting any reports you want to keep permanently.

13. Data Deletion and Export

Where required by law or supported by the platform, you may request:

access to your personal data;
correction of inaccurate data;
deletion of personal data;
export of certain data;
restriction of processing;
objection to certain processing;
withdrawal of consent;
opt-out of certain advertising or sharing.

To make a request, contact:

[Insert Privacy Email]

We may need to verify your identity before fulfilling your request.

We may deny or limit requests where permitted by law, including where necessary for security, fraud prevention, billing, tax, legal claims, compliance, backup integrity, or protection of other users.

14. EU/UK Privacy Rights

If you are located in the European Economic Area or United Kingdom, you may have rights under applicable data protection law, including the right to:

access your personal data;
correct inaccurate personal data;
delete personal data;
restrict processing;
object to processing;
receive a copy of your data;
withdraw consent;
lodge a complaint with a data protection authority.

The European Commission explains that GDPR gives people rights over their personal data, and the UK ICO says organizations should provide clear privacy information about how and why personal data is used.

You may contact us at [Insert Privacy Email] to exercise these rights.

15. California Privacy Notice

This section applies to California residents where the CCPA/CPRA applies.

15.1 Categories of Personal Information We May Collect

We may collect the following categories of personal information:

identifiers, such as name, email, IP address, account ID;
customer records, such as billing information;
commercial information, such as subscription plan, purchases, credits, reports generated;
internet or network activity, such as browsing activity and product usage;
geolocation data, such as approximate location from IP address;
professional or employment information, if provided;
inferences, such as product preferences, watchlist interests, or research behavior;
sensitive personal information, only if voluntarily provided or required for limited purposes.

15.2 Sources of Personal Information

We may collect information from:

you;
your device;
your account activity;
payment processors;
analytics tools;
advertising partners;
AI providers;
data providers;
social media platforms;
referral partners;
public sources.

15.3 Purposes for Collection

We collect personal information to:

provide Valarn;
process payments;
generate reports;
save research history;
improve the platform;
personalize experience;
provide support;
secure the platform;
prevent fraud;
measure ads;
operate referral programs;
comply with law.

15.4 Categories of Information Disclosed

We may disclose the categories listed above to service providers, contractors, payment processors, AI providers, analytics providers, advertising partners, legal authorities, and business transfer recipients.

15.5 Sale or Sharing

Valarn does not sell personal information for money.

However, if we use certain advertising, retargeting, affiliate tracking, or analytics technologies, this may be considered “sharing” or “selling” under California privacy law.

California residents may opt out using:

Do Not Sell or Share My Personal Information
[Insert Opt-Out Link]

15.6 California Rights

California residents may have the right to:

know what personal information we collect;
access personal information;
delete personal information;
correct inaccurate personal information;
opt out of sale or sharing;
limit use of sensitive personal information, where applicable;
not be discriminated against for exercising privacy rights.

15.7 Authorized Agents

California residents may use an authorized agent to submit privacy requests where permitted by law. We may require proof of authorization and identity verification.

16. Children’s Privacy

Valarn is not intended for children under 18.

We do not knowingly collect personal information from children under 18.

If you believe a child has provided personal information to Valarn, contact us at [Insert Privacy Email], and we will take appropriate steps to delete it.

17. Security

We use reasonable administrative, technical, and organizational measures designed to protect personal information.

These measures may include encryption, access controls, authentication, monitoring, logging, backups, vulnerability management, and vendor security reviews.

However, no system is completely secure. We cannot guarantee absolute security.

You are responsible for using a strong password, protecting your account credentials, and keeping your devices secure.

18. International Data Transfers

If you access Valarn from outside the United States, your information may be processed and stored in the United States or other countries where Valarn and its service providers operate.

Where required by law, we use appropriate safeguards for international data transfers, such as contractual protections or other legally recognized transfer mechanisms.

19. Third-Party Links and Services

Valarn may link to or integrate with third-party websites, platforms, brokers, data providers, social media services, advertisers, payment processors, AI providers, or other tools.

We are not responsible for the privacy practices, content, security, or policies of third parties.

You should review third-party privacy policies before using their services.

20. Public Sharing

If you share reports, comments, reviews, testimonials, watchlists, screenshots, or other content publicly, that information may be visible to others.

Publicly shared content may be copied, saved, indexed, reshared, or used by others outside Valarn’s control.

Do not share information publicly that you want to keep private.

21. Aggregated and De-Identified Information

We may create aggregated, anonymized, or de-identified information from user data.

We may use this information for analytics, product improvement, research, marketing, security, reporting, and business operations.

Aggregated or de-identified information does not identify individual users.

22. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

If we make material changes, we may notify you by email, website notice, in-app notice, account notice, or other reasonable method.

Your continued use of Valarn after the updated Privacy Policy becomes effective means you acknowledge the updated policy.

23. Contact Us

For privacy questions, requests, or complaints, contact:

Valarn
[Insert Legal Company Name]
[Insert Business Address]
Email: [Insert Privacy Email]
Website: https://valarn.com