1. Introduction

This Privacy Policy explains how DividendXray ("we", "us", or "our") collects, uses, and protects your personal information when you use our services. DividendXray offers both free and paid features and may be supported by advertising, affiliate links, sponsorships, and a newsletter.

2. Information We Collect

• Information you provide: email address, portfolio and transaction data you enter or import, preferences (e.g., settings), and messages you send us.
• Automatic data: IP address, device and browser type, pages viewed, referring/exit pages, timestamps, approximate location (derived from IP), and similar usage logs.
• Cookies/identifiers: cookies, local storage, pixels, SDKs, and pseudonymous identifiers used for analytics, security, basic product functionality, and advertising/attribution (see Sections 4–5).
• Billing information: if you purchase a paid plan, our payment processor (e.g., PayPro Global) collects and processes billing details. We do not store full card numbers on our systems.

3. How We Use Your Information

• Provide and operate the service (including saving your settings and data).
• Analyze and improve features, performance, and usability.
• Communicate with you (e.g., support replies, product updates, newsletter).
• Prevent abuse and maintain security and integrity of the platform and our users.
• Measure and support monetization (ads, sponsorships, and affiliate attribution—see Section 5).
• Process subscriptions and payments via our payment processor.
• Comply with legal obligations and enforce our Terms.

We do not sell your personal information. Certain analytics/advertising activities may be considered a "share" or "targeted advertising" under some laws; see Your Choices (Section 7).

4. Cookies & Tracking Technologies

We use cookies and similar technologies to enable core functionality, remember your preferences, analyze traffic, and support monetization. You can disable non-essential cookies via your browser or our preferences (see Section 7), but some features may not work correctly without them.

• Essential: login/session, security, load balancing.
• Analytics: usage metrics and performance.
• Advertising/Attribution: frequency capping, basic ad measurement, and affiliate conversion tracking.

5. Advertising, Analytics & Affiliate Links

DividendXray may display advertisements and affiliate offers, and may include sponsored placements or partner mentions. We strive to keep these tasteful and relevant.

• Ads: Ad partners may use pseudonymous identifiers to measure impressions, detect fraud, and limit repetitive ads. We do not provide your portfolio contents to ad networks.
• Affiliate programs: Clicking certain links may set a cookie or use an identifier so we can receive credit if you sign up or make a purchase.
• Analytics: We use analytics to understand feature usage and improve the product; these tools typically collect aggregated or pseudonymous usage data.

Where required, we will request consent for non-essential cookies/trackers. You can change your preferences at any time (see Section 7).

6. Data Sharing & Disclosure

• Service providers: Hosting, analytics, email, and similar vendors may process data on our behalf under confidentiality agreements.
• Payment processing: We use a third-party provider (e.g., PayPro Global) to process payments; they receive the information necessary to complete transactions and handle it in accordance with their policies.
• Legal: We may disclose information if required by law or to protect rights, safety, and integrity.
• Business changes: In connection with a merger, acquisition, or asset sale, your information may be transferred with appropriate protections.

7. Your Choices

• Email: You can unsubscribe from newsletters using the link in the email. Transactional/important notices may still be sent.
• Access, correction, deletion: You can request a copy, update, or deletion of your personal data by contacting us.
• Regional rights: Residents of certain regions (e.g., EEA/UK, California) may have additional rights regarding data access, portability, correction, deletion, objection/opt-out of "sale" or "sharing," and targeted advertising. We honor valid requests in accordance with applicable law.
• Cookie preferences: Where offered, you can adjust non-essential cookies/trackers. Browser settings may also limit some tracking.

8. Data Retention

We retain personal information only as long as necessary to provide the service and for legitimate business or legal purposes. You may request deletion of your account and data at any time. We may retain de-identified or aggregated information that does not identify you for analytics and product improvement.

9. Security

We use reasonable technical and organizational measures to protect personal information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

10. International Transfers

We may process and store information in countries other than your own. Where required, we implement appropriate safeguards for international transfers.

11. Children’s Privacy

Our service is not intended for users under the age of 13. We do not knowingly collect personal data from children under this age.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised "Last updated" date. Material changes will be communicated when appropriate.

13. Contact Us

If you have questions or concerns about this policy, please reach out to us.