Valarn California Privacy Notice

Last Updated: [Insert Date]

This California Privacy Notice supplements the Valarn Privacy Policy and applies to California residents. It explains how Valarn collects, uses, discloses, sells, shares, retains, and protects personal information under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, together referred to as the CCPA.

California law gives consumers rights to know what personal information a business collects and how it is used or shared, to delete certain personal information, to opt out of sale or sharing, and to be free from discrimination for exercising CCPA rights.

This Notice should be read together with our:

Terms of Service
Privacy Policy
Cookie Policy
AI & Financial Disclaimer
General Disclaimer
Refund Policy
Advertising & Affiliate Disclosure

1. Who We Are

Valarn is an AI-powered stock research platform that provides educational and informational research tools, AI-generated reports, dashboards, watchlists, alerts, saved research history, advertising features, affiliate/referral tracking, and related services.

Valarn is operated by:

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

2. Notice at Collection

This section explains the categories of personal information Valarn may collect, the purposes for collection, and whether the information may be sold or shared.

The California Privacy Protection Agency says a Notice at Collection should be provided at or before the point where personal information is collected. For online collection, this can be posted as a link on the webpage collecting the information.

Valarn may collect personal information when you:

visit the website;
create an account;
subscribe to a paid plan;
generate AI stock reports;
save reports;
search stock symbols;
create watchlists;
use alerts or calendar features;
upload files;
contact support;
click ads or affiliate links;
interact with emails;
use social sharing features;
participate in community features;
use cookies or similar technologies.

3. Categories of Personal Information We Collect

Valarn may collect the following categories of personal information.

3.1 Identifiers

Examples:

name;
email address;
username;
account ID;
IP address;
device identifiers;
cookie identifiers;
advertising identifiers;
referral identifiers;
authentication identifiers;
approximate location derived from IP address.

Sources:

you;
your device;
cookies;
analytics providers;
authentication providers;
advertising partners;
referral partners.

Purposes:

account creation;
login;
security;
fraud prevention;
customer support;
subscriptions;
analytics;
advertising;
referrals;
personalization;
platform operations.

May be sold or shared?

Sold: Not for money.
Shared: May be shared for targeted advertising, retargeting, affiliate attribution, or analytics if enabled.

3.2 Customer Records Information

Examples:

billing name;
billing address;
payment-related information;
subscription plan;
transaction history;
invoice information;
tax-related information;
support records.

Sources:

you;
payment processors;
customer support tools.

Purposes:

billing;
subscription management;
fraud prevention;
tax compliance;
customer support;
refund processing;
account management.

May be sold or shared?

Sold: No.
Shared: Generally no, except with payment, billing, tax, security, or service providers.

3.3 Commercial Information

Examples:

subscriptions purchased;
credits purchased;
plans used;
report credits consumed;
reports generated;
premium features used;
renewal history;
cancellation history;
refund history;
add-ons purchased;
affiliate or referral conversions.

Sources:

you;
your account activity;
payment processors;
affiliate/referral tools.

Purposes:

provide services;
process payments;
manage subscriptions;
enforce usage limits;
support refunds;
prevent abuse;
improve pricing and product features;
measure marketing.

May be sold or shared?

Sold: Not for money.
Shared: May be shared for affiliate attribution, ad measurement, or conversion tracking if enabled.

3.4 Internet or Other Electronic Network Activity

Examples:

pages viewed;
clicks;
session duration;
referring URLs;
search activity;
features used;
report generation activity;
dashboard interactions;
cookie interactions;
ad interactions;
email engagement;
device and browser information;
error logs;
security logs.

Sources:

your device;
website/app usage;
cookies;
analytics tools;
ad platforms;
security tools.

Purposes:

operate the website;
improve Valarn;
debug errors;
secure the platform;
measure analytics;
personalize experience;
measure ads;
enforce usage limits;
prevent fraud.

May be sold or shared?

Sold: Not for money.
Shared: May be shared for targeted advertising, analytics, retargeting, affiliate attribution, and ad measurement if enabled.

3.5 Research Activity and Saved Report Data

Examples:

stock symbols searched;
companies viewed;
reports generated;
saved reports;
report history;
watchlists;
report timestamps;
AI model choices;
report settings;
prompts;
notes;
AI-generated stances;
bullish/bearish/neutral classifications;
scores;
scenario assumptions;
alerts;
calendar events;
downloaded reports;
shared report links.

Sources:

you;
your use of Valarn;
AI systems;
data providers;
platform logs.

Purposes:

generate reports;
save research history;
support watchlists;
provide alerts;
personalize dashboards;
enforce plan limits;
troubleshoot report issues;
improve platform quality;
provide customer support;
maintain audit trails.

May be sold or shared?

Sold: No.
Shared: Generally no for private account-level research history, except with service providers needed to operate Valarn. Aggregated or de-identified data may be used for product improvement.

3.6 Inferences

Examples:

investment research interests;
stocks or sectors of interest;
preferred report settings;
dashboard preferences;
model preferences;
feature preferences;
likely subscription interests;
advertising or marketing segments.

Sources:

account activity;
stock searches;
saved reports;
watchlists;
usage logs;
cookies;
analytics tools.

Purposes:

personalize the experience;
suggest features;
improve dashboards;
recommend educational content;
support marketing;
improve product workflows;
measure advertising.

May be sold or shared?

Sold: Not for money.
Shared: May be shared for targeted advertising or personalization if enabled, but private saved report content should not be shared with advertisers unless separately disclosed and authorized.

3.7 Geolocation Data

Examples:

approximate location from IP address;
region;
city-level location;
time zone.

Valarn does not intentionally collect precise GPS location unless a feature specifically requests it and you provide permission.

Sources:

your device;
IP address;
analytics tools;
security tools.

Purposes:

security;
fraud prevention;
localization;
tax calculation;
analytics;
compliance;
advertising measurement.

May be sold or shared?

Sold: No.
Shared: May be shared with analytics, advertising, security, or service providers depending on enabled tools.

3.8 Audio, Electronic, Visual, or Similar Information

Examples:

uploaded images;
screenshots;
support attachments;
report exports;
profile images;
audio summaries, if supported;
user-uploaded files.

Sources:

you;
platform features.

Purposes:

provide requested features;
customer support;
file processing;
report generation;
debugging;
security;
abuse prevention.

May be sold or shared?

Sold: No.
Shared: Generally only with service providers needed to process or store the content.

3.9 Professional or Employment-Related Information

Examples:

company name;
job title;
organization name;
business email;
team or enterprise account information.

Sources:

you;
team or enterprise administrators;
business communications.

Purposes:

account management;
enterprise services;
billing;
customer support;
sales communications;
user administration.

May be sold or shared?

Sold: No.
Shared: Generally only with service providers needed to operate Valarn.

3.10 Sensitive Personal Information

Valarn does not intentionally require sensitive personal information for standard stock research features.

However, users may voluntarily provide sensitive information through uploads, notes, prompts, support messages, or account fields.

Sensitive personal information may include:

account login credentials;
precise geolocation, if ever enabled;
government identifiers, if submitted;
financial account information, if submitted;
contents of private communications with Valarn;
other sensitive information voluntarily provided by the user.

Purposes:

provide requested services;
secure accounts;
process support requests;
comply with law;
prevent fraud.

May be sold or shared?

Sold: No.
Shared: No for targeted advertising.
Used to infer characteristics: No, unless separately disclosed and legally permitted.

4. Sources of Personal Information

Valarn may collect personal information from:

you;
your account;
your device;
your browser;
cookies and similar technologies;
your use of Valarn;
payment processors;
authentication providers;
AI model providers;
market data providers;
analytics providers;
advertising partners;
affiliate and referral partners;
email providers;
customer support tools;
security tools;
social media platforms;
public sources;
business partners.

5. Business or Commercial Purposes for Collection, Use, and Disclosure

Valarn may collect, use, disclose, or process personal information to:

provide Valarn;
create and manage accounts;
authenticate users;
generate AI stock research reports;
save reports and research history;
maintain watchlists;
provide alerts and calendar features;
process subscriptions and payments;
provide customer support;
manage refunds;
enforce usage limits;
personalize dashboards;
improve AI report workflows;
debug errors;
secure the platform;
prevent fraud and abuse;
detect policy violations;
comply with law;
send service messages;
send marketing where permitted;
measure advertising;
track referrals and affiliates;
operate sponsored placements;
analyze product usage;
improve performance;
protect Valarn’s rights;
enforce Terms of Service.

6. Categories of Third Parties We Disclose Personal Information To

Valarn may disclose personal information to:

cloud hosting providers;
database providers;
payment processors;
AI model providers;
analytics providers;
advertising networks;
affiliate/referral platforms;
email providers;
customer support tools;
security providers;
error monitoring providers;
data storage providers;
authentication providers;
professional advisers;
legal authorities;
regulators or law enforcement where required;
business transfer recipients;
service providers and contractors;
third parties you direct us to share with.

7. Sale or Sharing of Personal Information

Valarn does not sell personal information for money.

However, under California law, “sale” and “sharing” can include certain disclosures of personal information for cross-context behavioral advertising, targeted advertising, retargeting, affiliate tracking, conversion measurement, or similar advertising technology uses.

Valarn may “share” or “sell” the following categories of personal information if advertising, retargeting, affiliate tracking, or similar tools are enabled:

identifiers;
internet or electronic network activity;
commercial information;
approximate geolocation;
inferences;
cookie identifiers;
advertising identifiers.

Valarn does not knowingly sell or share personal information of consumers under 16 years old.

You may opt out using:

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

Your Privacy Choices
[Insert Privacy Choices Link]

8. Targeted Advertising, Cookies, and Global Privacy Control

Valarn may use cookies, pixels, tracking scripts, affiliate links, referral codes, analytics identifiers, advertising identifiers, and similar technologies for advertising and measurement.

California consumers have the right to opt out of sale or sharing of personal information, including via Global Privacy Control where applicable.

Valarn may honor Global Privacy Control signals as a request to opt out of sale or sharing where required by law.

You can manage cookie and advertising choices through:

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

9. Use and Disclosure of Sensitive Personal Information

Valarn does not use sensitive personal information to infer characteristics about California consumers.

Valarn may use sensitive personal information only for limited permitted purposes, such as:

providing requested services;
account authentication;
security;
fraud prevention;
legal compliance;
customer support;
payment processing;
preventing abuse.

If Valarn begins using sensitive personal information for additional purposes requiring a right to limit, Valarn will provide a Limit the Use of My Sensitive Personal Information link or other legally required mechanism.

10. Data Retention

Valarn retains personal information only as reasonably necessary for the purposes described in this Notice and our Privacy Policy.

Retention periods may vary depending on:

account status;
subscription plan;
saved report settings;
legal obligations;
tax and accounting rules;
fraud prevention needs;
security needs;
support history;
dispute resolution;
backup systems;
business operations.

Examples:

Category	Example Retention Approach
Account information	While the account is active and for a reasonable period after closure
Saved reports	While account is active or according to plan limits and retention settings
Stock searches and report history	As needed for product features, support, audit trails, and retention settings
Billing records	As required for tax, accounting, legal, and payment purposes
Security logs	As needed for fraud prevention, security, and abuse detection
Support messages	As needed for support, dispute resolution, and legal purposes
Advertising identifiers	According to cookie settings, campaign settings, or provider retention periods
Uploaded files	As needed to provide requested features or until deleted under applicable settings

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

11. Your California Privacy Rights

California residents may have the following rights, subject to legal exceptions.

11.1 Right to Know

You may request that Valarn disclose:

categories of personal information collected;
categories of sources;
business or commercial purposes for collection, sale, or sharing;
categories of third parties to whom information is disclosed;
categories of personal information sold or shared;
categories of personal information disclosed for a business purpose;
specific pieces of personal information collected about you.

11.2 Right to Access and Data Portability

You may request access to personal information Valarn maintains about you.

Where required and technically feasible, we may provide the information in a portable format.

11.3 Right to Delete

You may request deletion of personal information collected from you.

We may deny or limit deletion requests where permitted by law, including where information is needed to:

provide requested services;
complete transactions;
detect fraud;
maintain security;
debug errors;
comply with legal obligations;
protect free speech;
exercise legal rights;
maintain billing records;
retain security logs;
resolve disputes;
comply with tax or accounting rules.

11.4 Right to Correct

You may request correction of inaccurate personal information.

11.5 Right to Opt Out of Sale or Sharing

You may opt out of the sale or sharing of personal information.

Use:

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

or contact:

[Insert Privacy Email]

11.6 Right to Limit Sensitive Personal Information

If Valarn uses sensitive personal information for purposes beyond those permitted by law, you may have the right to limit that use.

At this time, Valarn does not use sensitive personal information to infer characteristics about you.

11.7 Right to Non-Discrimination

Valarn will not discriminate against you for exercising your California privacy rights.

This means we will not deny services, charge different prices, provide a different level of service, or retaliate against you because you exercised CCPA rights, except where permitted by law.

12. How to Submit a Privacy Request

California residents may submit requests by contacting:

Privacy Email: [Insert Privacy Email]
Web Form: [Insert Privacy Request Form URL]
Toll-Free Number: [Insert Toll-Free Number, if applicable]

For opt-out requests:

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

13. Verification of Requests

We may need to verify your identity before responding to requests to know, access, delete, or correct personal information.

Verification may involve:

confirming access to your account email;
asking for account details;
matching information you provide with account records;
using a secure request form;
requesting additional information where necessary.

We will only use verification information to verify your identity and process the request.

14. Authorized Agents

You may use an authorized agent to submit a request on your behalf.

We may require:

proof that you authorized the agent;
confirmation directly from you;
verification of your identity;
proof that the agent is registered with the California Secretary of State, where required.

We may deny requests from agents who cannot provide sufficient proof of authorization.

15. Response Timing

Valarn will respond to verified California privacy requests within the time required by law.

If we need more time, we may notify you and explain the reason.

16. Appeals

If we deny your request, you may appeal by contacting:

[Insert Privacy Email]

Please include:

your original request;
our response;
why you believe the decision should be reconsidered.

17. Financial Incentives and Loyalty Programs

Valarn may offer promotions, referral credits, discounts, free trials, waitlist offers, beta access, or loyalty-style benefits.

If any program qualifies as a financial incentive under California law, Valarn will provide required notice explaining:

the material terms;
the value of the personal information involved;
how to opt in;
how to withdraw.

Valarn does not currently offer a financial incentive program that assigns a specific monetary value to personal information unless separately disclosed.

18. Children’s Information

Valarn is not intended for users under 18.

Valarn does not knowingly sell or share personal information of consumers under 16.

If you believe a child has provided personal information to Valarn, contact:

[Insert Privacy Email]

19. De-Identified and Aggregated Information

Valarn may use de-identified or aggregated information for analytics, product improvement, research, reporting, advertising measurement, and business operations.

Valarn will maintain and use de-identified information in a de-identified form and will not attempt to re-identify it except as permitted by law.

20. Changes to This California Privacy Notice

Valarn may update this Notice from time to time.

If we make material changes, we may notify users through the website, account notice, email, privacy page, or other reasonable method.

Your continued use of Valarn after changes become effective means you acknowledge the updated Notice.

21. Contact

For questions about this California Privacy Notice or your California privacy rights, contact:

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