Privacy Policy

1. Introduction

Embercurve ("we," "us," or "our") provides AI-supported data analysis tools intended to help households and investors evaluate long-term financial scenarios. We are committed to protecting the privacy of visitors and users of our website. This Privacy Policy describes the categories of information we may collect, how that information is used, and the choices available to you regarding your data.

By using our website or submitting information through our forms, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the practices described here, please do not use our website or services.

2. Information We Collect

We may collect the following general categories of information:

Information you provide directly: This may include your name, email address, phone number, and any details you enter into contact forms, lead forms, or analysis request forms on our website.

Automatically collected information: When you visit our website, certain information may be collected automatically, such as your IP address, browser type, device information, pages visited, and time spent on the site. This information is typically gathered through cookies and similar tracking technologies.

Financial or scenario data: If you use our analysis tools, you may voluntarily input financial figures, goals, or preferences for the purpose of generating illustrative simulations. This data is used solely to produce the requested analysis and is not verified for accuracy.

3. How We Use Your Information

We may use the information we collect for purposes including:

Providing, operating, and improving our website and analysis tools; responding to inquiries and support requests; sending administrative communications related to your use of our services; personalizing content and recommendations; monitoring and analyzing usage trends to improve functionality; and complying with applicable legal obligations.

We do not sell personal information to third parties. Any use of aggregated or de-identified data for internal research purposes does not involve identifying individual users.

4. Cookies and Tracking Technologies

Our website may use cookies, web beacons, and similar technologies to enhance user experience, remember preferences, and gather analytics about site usage. Cookies are small text files stored on your device by your browser.

You can control or disable cookies through your browser settings. Please note that disabling cookies may affect the functionality of certain features on our website. We may also use third-party analytics services that place their own cookies subject to their respective privacy policies.

5. Legal Basis for Processing

Where applicable data protection law requires a legal basis for processing personal data, we generally rely on one or more of the following: your consent, the necessity of processing to provide services you have requested, our legitimate interests in operating and improving our website, and compliance with legal obligations.

Where processing is based on consent, you have the right to withdraw that consent at any time, without affecting the lawfulness of processing carried out prior to withdrawal.

6. Data Sharing and Disclosure

We may share information with trusted third-party service providers who assist us in operating our website, conducting analyses, hosting data, or communicating with users. These providers are expected to handle data in accordance with applicable privacy laws and only for the purposes we specify.

We may also disclose information if required to do so by law, in response to valid legal requests, or to protect the rights, property, or safety of Embercurve, our users, or others. In the event of a business transition such as a merger or acquisition, information may be transferred as part of that transaction.

7. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. When information is no longer needed, we take reasonable steps to delete or anonymize it.

8. Data Security

We implement reasonable technical and organizational measures designed to protect information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security of your data.

9. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information, which may include the right to access, correct, update, or delete your data; the right to object to or restrict certain processing; the right to data portability; and the right to lodge a complaint with a supervisory authority.

To exercise any of these rights, please contact us using the details provided on our Contact page. We will respond to legitimate requests within a reasonable timeframe, subject to applicable law.

10. Third-Party Links

Our website may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices or content of these third parties. We encourage you to review the privacy policies of any external sites you visit.

11. Children's Privacy

Our website and services are not directed toward individuals under the age of eighteen. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so that we can take appropriate action.

12. International Data Transfers

If you access our website from outside the country in which our servers or service providers are located, your information may be transferred across international borders. Where such transfers occur, we aim to ensure appropriate safeguards are in place consistent with applicable law.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. Any updates will be posted on this page with a revised "last updated" date. We encourage you to review this policy periodically.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out to us through the contact information provided on our Contact page.