Privacy Policy

At Dividend Calculator ("we," "us," or "our"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

1. Information We Collect

1.1 Account Information

When you create an account, we collect:

• Email address
• Name (optional)
• Password (encrypted and never stored in plain text)
• Account creation date

1.2 Portfolio Data

When you use our portfolio tracking features, we collect:

• Stock symbols and ticker information
• Number of shares owned
• Purchase prices and dates
• Portfolio names and organization
• Watchlist preferences

Note: We do NOT collect your actual brokerage account credentials, personal identification numbers, or bank account information.

1.3 Usage Data

We automatically collect information about how you interact with our service:

• Pages visited and features used
• Search queries and screening filters
• Device information (browser, operating system)
• IP address and approximate location
• Session duration and timestamps

1.4 Newsletter Subscriptions

If you subscribe to our newsletter:

• Email address
• Subscription date
• Email open rates and link clicks

2. How We Use Your Information

2.1 Service Provision

• Provide and maintain dividend calculation tools
• Calculate portfolio metrics and projections
• Store and retrieve your portfolio data
• Personalize your user experience

2.2 Communications

• Send account-related notifications
• Deliver newsletter content (if subscribed)
• Respond to support requests
• Notify about service updates or changes

2.3 Analytics and Improvement

• Analyze usage patterns to improve features
• Monitor performance and fix bugs
• Conduct research and development
• Generate aggregated, anonymous statistics

2.4 Security and Legal

• Detect and prevent fraud or abuse
• Comply with legal obligations
• Enforce our Terms of Service
• Protect user safety and service integrity

3. Data Storage and Security

3.1 Where We Store Data

Your data is stored on secure servers in the United States, hosted by Vercel and PostgreSQL database providers. We use industry-standard encryption:

• In Transit: TLS/SSL encryption (HTTPS)
• At Rest: Database encryption and secure backups
• Passwords: One-way hashing (bcrypt) - never stored in plain text

3.2 Data Retention

We retain your data for different periods:

• Account Data: Until you request deletion
• Portfolio Data: Until you request deletion
• Usage Logs: Up to 90 days
• Newsletter Emails: Until you unsubscribe

3.3 Security Measures

• Regular security audits and monitoring
• Secure authentication (NextAuth.js)
• Rate limiting to prevent abuse
• Error tracking (Sentry) with PII redaction
• Regular backups and disaster recovery plans

4. Third-Party Services

We use trusted third-party services to provide our features:

5. Your Rights and Choices

5.1 Access and Portability

You have the right to:

• Access all personal data we hold about you
• Export your portfolio data in CSV format
• Request a copy of your account information

5.2 Correction and Deletion

• Update your account information at any time
• Delete individual portfolios or holdings
• Request complete account deletion

5.3 Marketing Preferences

• Unsubscribe from newsletter emails (one-click)
• Opt out of product update notifications
• Control email frequency preferences

5.4 Do Not Track

We respect browser Do Not Track signals. If enabled, we will not use analytics cookies.

6. Cookies and Tracking

Types of Cookies We Use:

7. Children's Privacy

Our service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected data from a child, please contact us immediately for removal.

8. International Users

Our servers are located in the United States. If you access our service from outside the U.S., your data will be transferred to and processed in the United States. By using our service, you consent to this transfer.

EU/UK Users: We comply with GDPR requirements, including data subject rights, data portability, and the right to be forgotten.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we make significant changes:

• We will update the "Last Updated" date
• We will notify you via email (if you have an account)
• We will display a prominent notice on our website

Your continued use of the service after changes indicates acceptance of the updated policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices: