Privacy,
in plain view.

Scope and who we are

This Privacy Policy applies when you visit tradinghifi.com, create or use a TradingHiFi account, purchase a subscription, contact us, submit feedback, or connect a supported retirement account. “TradingHiFi,” “we,” “us,” and “our” refer to the operator of tradinghifi.com.

This policy does not cover third-party websites or services you choose to visit. Their own terms and privacy notices apply.

Information we collect

Information you provide

• Account information: first and last name, email address, password credentials stored in protected form, email-verification status, account role and status.
• Billing and subscription information: subscription plan, status, Stripe customer and subscription identifiers, billing interval, renewal or trial dates, and related billing events. Payment-card details are collected and processed by Stripe; TradingHiFi does not receive your full card number.
• Communications: your name, email address, message, and related correspondence when you contact us.
• Feedback: feedback type, comments, optional contact email, page or asset context, and whether you were signed in.

Information collected automatically

• Technical and usage information: requested page, date and time, referring website host, device category, limited engagement time, and conversion events such as registration or starting checkout.
• Advertising and consent information: privacy choices, ad impressions or interactions, browser or device identifiers, IP address, and page context that Google and participating advertising partners may process to deliver, secure, personalize where permitted, and measure advertising.
• Security and operational records: IP address or a one-way hash derived from it, browser or device information, sign-in and account events, diagnostic logs, and fraud- or abuse-prevention signals.
• Preferences: choices stored on your device, such as light or dark theme, interface state, and optional analytics or advertising consent.

Connected retirement accounts

If you choose to connect a retirement account through Plaid, we receive the institution name and identifier, account name, type and subtype, masked account number, balances, available balances, currency, and update timestamps. Plaid provides us an access token, which we encrypt at rest. We do not receive or store your financial-institution username or password.

Information from service providers

We may receive subscription updates from Stripe, account-linking information from Plaid, advertising delivery or measurement information from Google, weather or market-related data from data providers, and delivery or security information from our hosting and email providers.

How we use information

We use personal information to:

• provide, personalize, maintain, and improve TradingHiFi;
• create accounts, authenticate users, manage subscriptions, and deliver requested features;
• connect and refresh retirement-account information at your direction;
• respond to messages and feedback and send service communications such as verification, password-reset, billing, and security notices;
• measure site reliability, readership, feature use, advertising, and sponsored-content performance;
• serve and measure personalized or non-personalized advertising according to your choices, our settings, and applicable requirements;
• protect users and the service, enforce our terms, prevent fraud or abuse, and comply with law; and
• establish, exercise, or defend legal claims.

Where applicable law requires a legal basis, we rely on performance of our contract with you, our legitimate interests in operating and securing the service, compliance with legal obligations, and consent where required.

Cookies, advertising, and measurement

TradingHiFi and enabled providers may use the following browser storage:

The first-party analytics identifiers are random values and are hashed before analytics records are stored. We create those identifiers and record those measurements only after you allow first-party analytics. Advertising consent mode defaults to denied and updates from your saved choices. An enabled Global Privacy Control (Sec-GPC: 1) or Do Not Track (DNT: 1) signal keeps optional analytics and advertising disabled in TradingHiFi's controls.

When we disclose information

We disclose information only as reasonably necessary for the purposes described in this policy:

• Service providers: vendors that provide hosting, databases, content delivery, email, security, customer support, analytics infrastructure, and other operational services.
• Google AdSense and advertising partners: to deliver, secure, select, personalize where permitted, and measure advertising on public content according to applicable consent and opt-out signals. Google handles information under its Privacy Policy.
• Stripe: to process checkout, payments, subscriptions, refunds, and related fraud prevention. Stripe handles your payment details under its Privacy Policy.
• Plaid: when you choose to connect a retirement account. Plaid handles information under its End User Privacy Policy.
• Legal and safety: when we reasonably believe disclosure is required by law, legal process, or to protect rights, safety, users, or the service.
• Business changes: in connection with a financing, merger, acquisition, reorganization, bankruptcy, or sale of all or part of the business, subject to appropriate safeguards.
• At your direction: when you ask us to disclose information or otherwise consent.

We do not sell personal information for money. Advertising disclosures may be treated as sharing for cross-context behavioral advertising under some U.S. state privacy laws when personalized advertising is enabled. You can opt out through Privacy and cookie settings, an available Google privacy message, or an enabled Global Privacy Control signal.

Retention, security, and transfers

We keep information for as long as reasonably necessary to provide the service and for legitimate business, security, tax, accounting, dispute-resolution, and legal purposes. Retention varies by data type and context. First-party traffic analytics records are ordinarily retained for up to 400 days. Account, subscription, support, security, and financial-connection records may be kept while your account or connection remains active and for an appropriate period afterward. Backup copies may persist for a limited time before deletion or isolation.

We use administrative, technical, and physical safeguards designed to protect information, including password hashing, encrypted connections, limited access, and encryption of Plaid access tokens at rest. No system is completely secure, and we cannot guarantee absolute security.

TradingHiFi and its providers may process information in the United States and other countries. Where required, we use recognized safeguards for international transfers.

Your choices and rights

Depending on where you live, you may have the right to request access to, correction of, deletion of, or a portable copy of personal information; to object to or restrict certain processing; to opt out of targeted or cross-context behavioral advertising; to withdraw consent; and to appeal a denied request. You may also have the right not to receive discriminatory treatment for exercising a privacy right.

You can update certain account details in your account, reopen Privacy and cookie settings, withdraw optional analytics or advertising consent, disconnect a retirement institution from TradingHiFi, and manage or delete Plaid connections through Plaid Portal. When available, the Google privacy controls inside that dialog reopen Google's regional consent message. You may unsubscribe from non-essential email using the instructions in the message. Service and security messages may still be sent while your account is active.

To submit a privacy request, email support@tradinghifi.com. Tell us the right you want to exercise and the email associated with your account. We may need to verify your identity and authority before completing a request. Authorized agents may submit requests where permitted by law.

Regional disclosures

United States

For residents of states with comprehensive privacy laws, the categories below summarize our practices during the preceding 12 months:

We disclose these categories to the service providers and other recipients described above. We do not knowingly sell or share personal information of consumers under 16, and we do not use or disclose sensitive personal information for purposes requiring a right to limit under California law. Where applicable, use Privacy and cookie settings or an enabled Global Privacy Control signal to opt out of targeted or cross-context behavioral advertising.

European Economic Area, United Kingdom, and Switzerland

Before personalized Google advertising is enabled for applicable visitors, TradingHiFi will use a Google-certified consent message that identifies participating advertising providers and provides consent, refusal, management, and revocation choices. You may lodge a complaint with your local data-protection authority. You may also contact us first so we can try to resolve your concern.

Children

TradingHiFi is intended for adults and is not directed to children under 13. We do not knowingly collect personal information from children under 13. Connected financial-account features are intended only for people at least 18. If you believe a child provided personal information, contact us so we can investigate and delete it where required.

Changes to this policy

We may update this policy as our service or legal obligations change. We will post the revised policy here and update the effective date. If a change materially affects how we use information already collected, we will provide additional notice when required.

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