Privacy Policy

1. Company Information

This Privacy Policy governs the collection, use, and disclosure of personal information by Perspectec Inc. ("Perspectec," "we," "us," or "our"), a corporation incorporated under the laws of Canada.

2. Information We Collect

Personal Information

We collect the following personal information when you use our services:

• Account Information: First name, last name, email address
• Contact Information: Phone number (for SMS verification)
• Authentication Data: Encrypted passwords and authentication tokens
• Payment Information: Credit card details (processed securely through Stripe)

Usage Information

• Service Usage: Credit consumption, API requests, PDF processing activities
• Technical Data: IP address, browser type, device information
• Application Logs: System performance data, error logs, security events
• Content Data: Documents you upload for processing and analysis

Information We Do NOT Collect

• We do not use Google Analytics or similar tracking services
• We do not use advertising cookies or tracking pixels
• We do not collect data from social media platforms
• We do not use third-party marketing or advertising networks

3. How We Use Your Information

We use your personal information for the following purposes:

• Service Provision: To provide AI-powered equity research and financial analysis services
• Account Management: To create and maintain your user account
• Payment Processing: To process credit purchases and manage billing
• Communication: To send service-related notifications and support communications
• Security: To protect against fraud, unauthorized access, and security threats
• Legal Compliance: To comply with applicable laws and regulations
• Service Improvement: To analyze usage patterns and improve our services

4. Information Sharing and Disclosure

Third-Party Service Providers

We share information with the following trusted service providers:

• Supabase: Database hosting and user authentication
• Stripe: Payment processing (they handle credit card information directly)
• Daily.co: Video communication services
• Anthropic: AI model services for financial analysis

Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal process or government requests
• Protect the rights, property, or safety of Perspectec, our users, or others
• Investigate and prevent fraud or security issues
• Enforce our Terms of Service

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption: Data is encrypted at rest and in transit using industry-standard protocols
• Access Controls: Strict access controls limit who can view your information
• Secure Infrastructure: Our systems are hosted on secure, monitored infrastructure
• Regular Audits: We regularly review and update our security practices

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce agreements
• Maintain business records for legitimate business purposes

When you delete your account, we will delete or anonymize your personal information within 30 days, except where retention is required by law.

7. Your Rights

Under Canadian privacy laws, you have the right to:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Portability: Request a copy of your data in a structured format
• Objection: Object to certain processing of your information
• Withdraw Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us at general@perspectec.com. We will respond within 30 days.

8. International Data Transfers

Some of our service providers may be located outside of Canada. When we transfer your personal information internationally, we ensure appropriate safeguards are in place to protect your information in accordance with Canadian privacy laws.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will promptly delete it.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the "Last Updated" date. Your continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.

11. Contact Information

If you have any questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact us:

If you are not satisfied with our response to your privacy concern, you may also contact the Privacy Commissioner of Canada at www.priv.gc.ca.

12. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of Canada and the Province of Ontario. Any disputes relating to this Privacy Policy will be subject to the exclusive jurisdiction of the courts of Ontario, Canada.