Privacy Policy for Kai — Your AI Trading Assistant

1. Introduction

Welcome to Kai — Your AI Trading Assistant ("Kai", "we", "us", or "our"). We are committed to protecting your privacy and being transparent about how we collect, use, store, and share your information. This Privacy Policy explains our practices when you use the Kai mobile application, web platform, and related services (collectively, the "Service").

By accessing or using Kai, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use the Service.

2. Information We Collect

2.1 Account & Profile Information

• Name, email address, phone number, username, and password
• Profile preferences, notification settings, and risk tolerance indicators

2.2 Financial & Trading Data

• Connected brokerage/exchange API keys or OAuth tokens
• Portfolio holdings, transaction history, watchlists, and trading preferences
• Market data and signals you request or Kai generates on your behalf

Note: We never store your brokerage login credentials. API keys and tokens are encrypted and handled via secure credential management systems.

2.3 AI Interaction & Usage Data

• Prompts, queries, conversation history, and AI-generated insights
• Trading signals, alerts, backtest results, and strategy configurations
• Feedback, ratings, and user corrections to AI outputs

2.4 Device & Technical Data

• Device type, operating system, app version, IP address, and unique device identifiers
• Log data, crash reports, performance metrics, and feature usage analytics

2.5 Payment & Billing Information

Processed securely by third-party payment providers. We only store transaction history, subscription tier, and billing status. We do not store full credit card numbers or banking credentials.

3. How We Use Your Information

We use the collected data to:

• Provide, operate, and improve Kai’s AI trading features and user experience
• Personalize insights, alerts, risk assessments, and portfolio recommendations
• Securely connect to your brokerage/exchange to fetch data or execute trades per your instructions
• Process subscriptions, prevent fraud, and manage account security
• Comply with legal obligations, enforce terms, and protect against abuse
• Train, fine-tune, and evaluate our AI models (with user consent/opt-out where required by law)
• Send service updates, security alerts, and (with consent) marketing communications

4. How We Share Your Information

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

• With Your Brokerage/Exchange: Only to fulfill your explicit instructions (e.g., fetching portfolio data, placing trades, syncing watchlists).
• Trusted Service Providers: Cloud infrastructure, analytics, customer support, payment processors, and AI model hosting partners. All are bound by strict data processing agreements.
• Legal & Regulatory Requirements: When required by law, court order, or regulatory authority, or to protect the rights, property, or safety of Kai, our users, or the public.
• Business Transfers: In connection with a merger, acquisition, financing, or asset sale. You will be notified if your data is transferred to a new entity.
• With Your Explicit Consent: For any purpose not covered above.

5. Data Security

We implement industry-standard technical and organizational measures to protect your data:

• Encryption in transit (TLS 1.3+) and at rest (AES-256)
• Secure key/token vaulting and role-based access controls
• Regular security audits, vulnerability scanning, and incident response protocols
• Strict employee access limitations and confidentiality agreements

While we strive to protect your information, no electronic transmission or storage system is 100% secure. We cannot guarantee absolute security but will notify you and take appropriate steps if a breach occurs.

6. Data Retention

We retain your data only as long as necessary to:

• Provide and maintain the Service
• Comply with legal, tax, or regulatory obligations
• Resolve disputes and enforce agreements

You may request deletion of your account and associated data at any time. Certain anonymized or aggregated data may be retained for analytics and AI improvement, as permitted by law.

7. AI & Model Training Transparency

• Kai uses advanced language and predictive models to generate trading insights.
• Your prompts, portfolio configurations, and interaction history may be used to improve model accuracy and reduce hallucinations.
• You can opt out of AI training data usage at any time via App Settings > Privacy > AI Data Usage. Opting out does not affect core Service functionality.
• AI outputs are probabilistic and not guaranteed. Kai does not provide financial, investment, or legal advice.

8. Your Rights & Choices

Depending on your jurisdiction, you may have the right to:

• Access, correct, or delete your personal data
• Export your data in a portable format
• Restrict or object to certain processing activities
• Withdraw consent (without affecting prior lawful processing)
• Opt out of marketing communications
• Lodge a complaint with a data protection authority

To exercise these rights, contact us at privacy@[yourdomain].com. We will respond within 30 days and may request verification of your identity.

9. Third-Party Services & Links

Kai may integrate with or link to third-party services (brokerages, market data feeds, payment gateways, social platforms). Their privacy practices are governed by their own policies. We are not responsible for their data collection, security, or content.

10. Children’s Privacy

Kai is not intended for individuals under the age of 18 (or the minimum age required by your jurisdiction to engage in financial trading). We do not knowingly collect personal data from minors. If you believe a minor has provided us with data, please contact us immediately for removal.

11. International Data Transfers

Your information may be transferred to, and processed in, countries outside your country of residence. We ensure appropriate safeguards are in place, including Standard Contractual Clauses (SCCs), adequacy decisions, or other legally recognized mechanisms.

12. Changes to This Privacy Policy

We may update this policy to reflect changes in our practices, technology, or legal requirements. Material changes will be communicated via in-app notification, email, or a prominent notice on our website. Your continued use of Kai after updates constitutes acceptance of the revised policy.

13. Contact Us