Introduction

Welcome to Morning Market Digest ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you subscribe to our service.

By using our service, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Personal Information

When you subscribe to Morning Market Digest, we collect the following information:

• Email Address: Used to deliver your daily market briefings and communicate with you about your subscription.
• Payment Information: Processed securely through Stripe. We do not store your credit card details on our servers.
• Subscription Data: Information about your subscription status, plan type (monthly/yearly), trial period, and billing history.

Automatically Collected Information

When you visit our website, we may automatically collect:

• Usage Data: Information about how you access and use our website (e.g., pages visited, time spent).
• Device Information: Browser type, operating system, IP address, and unique device identifiers.
• Cookies: We use cookies and similar tracking technologies to enhance your experience.

How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To send you daily market briefings and other content you've subscribed to receive.
• Billing and Account Management: To process payments, manage your subscription, and communicate about billing matters.
• Customer Support: To respond to your inquiries and provide assistance.
• Service Improvement: To understand how our service is used and improve content quality.
• Legal Compliance: To comply with legal obligations and enforce our Terms of Service.
• Security: To protect against fraud and unauthorized access.

Third-Party Services

We work with trusted third-party service providers to operate our business:

• Stripe: Payment processing and subscription management. View their privacy policy at stripe.com/privacy
• Sender.net: Email delivery platform for distributing our daily briefings. View their privacy policy at sender.net/privacy-policy
• Supabase: Database hosting for subscriber management. View their privacy policy at supabase.com/privacy
• Vercel: Website hosting and deployment. View their privacy policy at vercel.com/legal/privacy-policy

These third parties have access to your personal information only to perform specific tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to improve your experience on our website and understand how visitors interact with our content.

What Are Cookies?

Cookies are small text files stored on your device when you visit our website. They help us recognize your browser and remember your preferences.

Types of Cookies We Use

• Essential Cookies: Required for the website to function properly (e.g., maintaining your session, remembering your consent preferences).
• Analytics Cookies: We use Google Analytics to collect information about how visitors use our site, such as which pages are visited most often and how users navigate through the site. This helps us improve our service.
• Performance Cookies: Help us understand site performance and identify any technical issues.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses cookies to help us analyze how users interact with our website. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States.

Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity, and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required by law, or where such third parties process the information on Google's behalf.

You can learn more about how Google uses data when you use our site by visiting Google's Privacy Policy.

Managing Cookies

You can control and manage cookies through your browser settings. You can set your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you disable or refuse cookies, some features of our website may not function properly.

When you first visit our website, you will see a cookie consent banner. You can choose to accept or decline non-essential cookies. Your preference will be saved and you can change it at any time by clearing your browser cookies and revisiting our site.

Data Retention

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

• Provide you with our services while you maintain an active subscription
• Comply with legal obligations (e.g., tax records, billing history)
• Resolve disputes and enforce our agreements

When you cancel your subscription, we will remove you from our email list. However, we may retain certain information for legal and accounting purposes as required by law.

Your Privacy Rights

Depending on your location, you may 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, subject to legal requirements.
• Opt-Out: Unsubscribe from marketing emails at any time using the unsubscribe link in our emails.
• Data Portability: Request a copy of your data in a portable format.
• Withdraw Consent: Cancel your subscription at any time through the Stripe Customer Portal.

To exercise these rights, please contact us at the email address provided below.

Data Security

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

• Encryption of data in transit and at rest
• Secure payment processing through PCI-compliant providers (Stripe)
• Regular security assessments and updates
• Access controls and authentication requirements

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Children's Privacy

Our service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will delete such information.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your country. By using our service, you consent to the transfer of your information to the United States and other countries where our service providers operate.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. We will notify you of any material changes by:

• Posting the updated policy on this page
• Updating the "Last updated" date at the top
• Sending you an email notification for significant changes

Your continued use of our service after changes are posted constitutes your acceptance of the updated Privacy Policy.

California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected and how it's used
• Right to delete personal information (with certain exceptions)
• Right to opt-out of the sale of personal information (we do not sell your information)
• Right to non-discrimination for exercising your CCPA rights

GDPR Compliance (European Users)

If you are located in the European Economic Area (EEA), we process your personal information based on the following legal grounds:

• Contract Performance: Processing necessary to provide the service you subscribed to
• Legitimate Interests: Improving our service and preventing fraud
• Legal Compliance: Meeting our legal and regulatory obligations
• Consent: Where you have given explicit consent for specific purposes

Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: