Account Information

When you create an account with us, we collect basic details like your name, email address, and company information. We also collect your phone number if you choose to provide it for account security purposes.

Financial Data

Our AI analysis tools work with the financial data you choose to share. This might include market positions, trading history, or portfolio information. You control what data you upload, and we only process what you explicitly provide.

Usage Information

We track how you use our platform to improve your experience. This includes which features you access most, what analysis tools you prefer, and general usage patterns. This data helps us make the platform more useful for everyone.

• Login times and session duration
• Feature usage and preferences
• Analysis requests and report generation
• Device and browser information

Your data serves specific purposes that directly benefit your experience with our platform:

AI Analysis and Reports

We use your financial data to generate personalized market analysis and insights. Our AI algorithms process this information to identify patterns and provide recommendations tailored to your portfolio.

Platform Improvement

Aggregate usage data helps us understand which features work well and which need improvement. We analyze this information to enhance our AI models and develop new analytical tools.

Account Security

We monitor account access patterns to detect unusual activity and protect your account from unauthorized access. This includes tracking login locations and device patterns.

Customer Support

When you contact our support team, we use your account information to provide personalized assistance and resolve technical issues more efficiently.

We don't sell your personal information to third parties. Period. However, there are specific situations where we may share your data:

Service Providers

We work with trusted partners who help us operate our platform, including cloud hosting providers and security services. These partners sign strict confidentiality agreements and can only use your data for the specific services they provide to us.

Legal Requirements

We may disclose your information if required by law, such as responding to valid legal requests from government authorities or court orders. We'll notify you of such requests unless prohibited by law.

Business Transfers

If Marcard & Schaefer is acquired or merged with another company, your information may be transferred as part of that transaction. You'll be notified of any such changes in advance.

You have significant control over your personal information. Here's what you can do:

How to Exercise Your Rights

To make any of these requests, simply email us at info@marcardonline.com with "Privacy Request" in the subject line. Include your full name and account email address. We'll verify your identity and respond within 30 days.

Protecting your financial information is our top priority. We implement multiple layers of security to keep your data safe:

Physical Security

Our servers are housed in secure data centers with biometric access controls, 24/7 monitoring, and redundant power systems. Only authorized personnel can access these facilities.

Employee Access

Our team members can only access your data on a need-to-know basis. All employees sign confidentiality agreements and receive regular security training.

Incident Response

If a security incident occurs, we have procedures in place to quickly contain the issue, assess the impact, and notify affected users within 72 hours.

We keep your information only as long as necessary to provide our services and comply with legal requirements:

Active Accounts

While your account is active, we maintain all your data to ensure continuous service. You can delete specific data items at any time through your account settings.

Inactive Accounts

If you don't log in for 24 months, we'll send email reminders before archiving your account. Archived accounts are deleted after an additional 12 months unless you reactivate them.

Deleted Accounts

When you delete your account, we remove your personal information within 30 days. Some data may be retained in anonymized form for regulatory compliance or fraud prevention.

Legal Requirements

As a regulated financial services provider, we must retain certain records for compliance purposes. This typically includes transaction logs and regulatory communications for seven years.

Our primary servers are located in the United States, but we may process your data in other countries where our service providers operate.

Adequate Protection

When we transfer data internationally, we ensure it receives the same level of protection through approved mechanisms like Standard Contractual Clauses or adequacy decisions.

Your Consent

By using our services, you consent to the transfer of your information to countries outside your residence, including the United States, for the purposes described in this policy.

We use cookies and similar technologies to make our platform work properly and improve your experience:

Essential Cookies

These cookies are necessary for the platform to function. They handle things like keeping you logged in and remembering your preferences during your session.

Analytics Cookies

We use analytics tools to understand how users interact with our platform. This helps us identify areas for improvement and measure the effectiveness of new features.

Managing Cookies

You can control cookies through your browser settings, but disabling essential cookies may affect platform functionality. Analytics cookies can be disabled without impacting core features.

We update this privacy policy periodically to reflect changes in our practices or legal requirements. Here's how we handle updates:

Your Options

If you disagree with policy changes, you can delete your account before the changes take effect. Continuing to use our services after the effective date means you accept the updated terms.

Version History

Previous versions of this policy are available upon request. Contact us at info@marcardonline.com if you need access to earlier versions.