Privacy Policy

1.Information We Collect

Account information: Name, email address, login credentials, authentication identifiers, account status, and onboarding information.

Profile and preference information: Risk tolerance, investment preferences, goals, time horizon, behavioral profile inputs, and user-selected settings.

Portfolio and asset information: Assets, tickers, quantities, purchase prices, portfolio values, allocations, and related financial context that you provide or connect to the Service.

Usage and interaction data: Dashboard views, signal impressions, clicks, dismissals, accepted or rejected outputs, chat interactions, notification preferences, and feature usage.

Device and technical data: IP address, browser type, device identifiers, operating system, log data, cookies, approximate location, and diagnostic information.

Notification and integration data: Push notification tokens, Telegram connection status, exchange or broker connection metadata, and API-related information where applicable.

User-generated content: Messages, questions, feedback, notes, and other content you submit to the Service.

Purchase and subscription data: In-app purchase receipts, subscription status, and billing-related identifiers processed by Apple or other payment providers (we do not store full payment card numbers).

2.How We Use Information

We may use information to: (1) provide, maintain, and improve the Service; (2) generate informational signals, classifications, alerts, and decision-support outputs; (3) personalize outputs based on portfolio context, goals, preferences, and user behavior; (4) operate risk filters, trigger alerts, portfolio views, and learning features; (5) send notifications and service messages; (6) analyze usage, performance, reliability, and product quality; (7) prevent fraud, abuse, security incidents, and unauthorized access; (8) comply with legal, regulatory, tax, accounting, and security obligations; (9) enforce our Terms and protect our rights.

3.AI and Automated Processing

Zoe may use automated systems, statistical models, and artificial intelligence models to analyze market data, user-provided information, portfolio context, behavioral signals, and other inputs.

Automated outputs are informational and decision-support outputs only. They do not constitute investment advice, investment marketing, portfolio management, or a recommendation to buy or sell any asset.

4.How We Share Information

Service providers: Cloud hosting providers, database providers, analytics providers, authentication providers, payment processors, notification providers, customer support tools, and infrastructure vendors.

Data and integration partners: Market data providers, API providers, exchange or broker integrations, and notification platforms, where necessary to provide the Service.

Legal and compliance recipients: Courts, regulators, law enforcement, government authorities, or other parties where required by law or necessary to protect rights, safety, security, or legal interests.

Business transfers: In connection with a merger, acquisition, financing, reorganization, sale of assets, or similar transaction.

We do not sell personal information to advertisers.

5.Financial Data

Portfolio and asset information may be used to personalize informational outputs and decision-support classifications.

Zoe does not custody funds, execute trades, place orders, or control user assets. Connected financial data, if any, is used only to provide product functionality and is subject to the permissions granted by the user.

6.Data Retention

We retain personal information for as long as reasonably necessary to provide the Service, comply with legal obligations, resolve disputes, enforce agreements, maintain security, improve the Service, and support legitimate business purposes.

Users may request deletion of certain personal information, subject to legal, security, accounting, fraud-prevention, and operational retention requirements. In-app account deletion is available in Settings where offered.

7.Security

We use reasonable administrative, technical, and organizational measures designed to protect personal information. However, no system, network, or storage method is completely secure, and we cannot guarantee absolute security.

8.International Transfers

Your information may be processed and stored in countries other than your country of residence. These countries may have data protection laws that differ from those in your jurisdiction.

9.Your Rights

Depending on your location, you may have rights to access, correct, delete, export, restrict, or object to certain processing of your personal information.

You may also have rights to opt out of certain uses of personal information, including certain analytics or marketing communications.

To exercise rights, contact us at: hi@imzoe.io

10.GDPR (European Users)

If you are in the European Economic Area (EEA), UK, or Switzerland, the General Data Protection Regulation (GDPR) may apply. We process personal data on these lawful bases: (1) contract - to provide the Service you signed up for; (2) consent - analytics cookies and optional integrations where you opt in; (3) legitimate interests - security, fraud prevention, and product improvement, balanced against your rights.

You may request access, correction, deletion, restriction, portability, or objection to processing. You may withdraw consent for analytics at any time via browser settings or by declining the analytics banner. You may lodge a complaint with your local data protection authority.

For data deletion or export requests, email hi@imzoe.io from your registered address. We respond within 30 days where GDPR applies.

11.Cookies and Tracking

We may use cookies, pixels, local storage, analytics tools, and similar technologies to operate the Service, remember preferences, analyze usage, improve performance, and protect security.

Where required by law, we will request consent or provide opt-out controls.

12.Children

The Service is not intended for children under 18. We do not knowingly collect personal information from children under 18.

13.Contact

For privacy questions or requests, contact us at: hi@imzoe.io