Privacy Policy

1. Introduction

Welcome to Rebalanced ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services at rebalancedinvesting.com (the "Service").

By using our Service, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our Service.

3. Information We Collect

3.1 Information You Provide

• Account information (name, email address, password)
• Profile information you choose to provide
• Financial account credentials provided through secure third-party services (Plaid, Snaptrade)
• Communications you send to us (support requests, feedback)
• Mailing list subscription information

3.2 Information Collected Automatically

• Device information (browser type, operating system, device identifiers)
• Log data (IP address, access times, pages viewed)
• Usage data (features used, interactions with the Service)
• Cookies and similar tracking technologies

3.3 Financial Information

We use secure third-party services (such as Plaid and Snaptrade) to connect to your financial accounts. We receive read-only access to your account balances, transactions, and holdings. We do not store your bank login credentials on our servers.

4. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Service
• Aggregate and display your financial portfolio information
• Calculate performance metrics and analytics
• Send you alerts and notifications you've requested
• Respond to your inquiries and provide customer support
• Send you updates about our Service (with your consent)
• Detect, prevent, and address technical issues and security threats
• Comply with legal obligations

5. Information Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following limited circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our Service (hosting, analytics, customer support), subject to confidentiality agreements
• Financial Data Aggregators: With Plaid, Snaptrade, or similar services to connect your financial accounts
• Legal Requirements: When required by law, court order, or governmental regulation
• Protection of Rights: To protect our rights, privacy, safety, or property, or that of our users or others
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with notice to you
• With Your Consent: When you have given us explicit permission to share your information

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Secure authentication mechanisms
• Regular security assessments and monitoring
• Access controls limiting employee access to personal data
• Use of secure, reputable third-party service providers

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with our Service. We may also retain and use your information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements.

8. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Portability: Request a portable copy of your data
• Opt-out: Unsubscribe from marketing communications at any time
• Withdraw Consent: Withdraw consent where processing is based on consent

10. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and track information about your use of our Service. Cookies are small data files stored on your device that help us improve your experience.

Types of cookies we use:

• Essential Cookies: Necessary for the Service to function
• Analytics Cookies: Help us understand how users interact with our Service
• Preference Cookies: Remember your settings and preferences

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of our Service may not function properly without cookies.

11. Third-Party Links and Services

Our Service may contain links to third-party websites or services that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policies of any third-party sites you visit.

12. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at doug@rebalancedinvesting.com.

13. International Data Transfers

Your information may be transferred to and maintained on servers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ from those in your jurisdiction. By using our Service, you consent to such transfers.

14. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your information, and the right to opt-out of the sale of your information. As stated above, we do not sell your personal information.

To exercise your California privacy rights, please contact us at doug@rebalancedinvesting.com.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top. We encourage you to review this Privacy Policy periodically for any changes.

Your continued use of the Service after any modifications to this Privacy Policy constitutes your acceptance of the modified Privacy Policy.