Privacy Policy

Red Panda Stock Club ("Red Panda," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services (collectively, the "Services").

By using our Services, you consent to the data practices described in this policy. If you do not agree with this policy, please do not use our Services.

2.1 Information You Provide

Account Information

• Name and email address
• Username and password
• Profile information (optional)

Payment Information

• Payment card details (processed by secure third-party providers)
• Billing address
• Subscription history

User-Generated Content

• Portfolio entries (stocks you're tracking)
• Watchlist items
• Alert preferences
• In-app communications

2.2 Information Collected Automatically

Device Information

• Device type and model
• Operating system version
• Unique device identifiers
• Mobile network information

Usage Data

• Features accessed
• Time spent in app
• Click patterns and navigation
• Search queries within the app

Location Information

• IP address
• Time zone
• General geographic location (country/region)

2.3 Information from Third Parties

Authentication Providers

• If you sign in using Apple, Google, or social media accounts
• Basic profile information from these services

Analytics Services

• Aggregated usage statistics
• Crash reports and performance data

3.1 Provide Services

• Create and manage your account
• Process subscriptions and payments
• Deliver personalized content and features
• Send price alerts and notifications you've requested

3.2 Improve Our Services

• Analyze usage patterns to enhance features
• Fix bugs and improve performance
• Develop new features and services
• Conduct research and analysis

3.3 Communicate With You

• Send service-related announcements
• Respond to support requests
• Provide educational content (with consent)
• Send marketing communications (with consent)

3.4 Legal and Security

• Comply with legal obligations
• Detect and prevent fraud
• Enforce our Terms of Service
• Protect rights and safety

We do not sell your personal information. We may share your information only in these circumstances:

4.1 Service Providers

We share information with third-party vendors who help us operate our Services:

• Payment processors (Stripe, Apple Pay, Google Pay)
• Cloud hosting providers (AWS, Google Cloud)
• Analytics services (anonymized data only)
• Customer support tools

4.2 Legal Requirements

We may disclose information if required by:

• Law, regulation, or legal process
• Government authorities or law enforcement
• To protect our rights or prevent harm

4.3 Business Transfers

If Red Panda is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

4.4 Aggregated Information

We may share anonymized, aggregated data that cannot identify you personally for research, marketing, or other purposes.

We implement appropriate technical and organizational measures to protect your information:

• Encryption: Data is encrypted in transit and at rest
• Access Controls: Limited access on a need-to-know basis
• Regular Audits: Security assessments and updates
• Secure Infrastructure: Industry-standard hosting and security practices
• Payment Security: PCI-compliant payment processing

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

We retain your information for as long as necessary to:

• Provide you with our Services
• Comply with legal obligations
• Resolve disputes
• Enforce our agreements

When you delete your account, we will delete or anonymize your personal information within 90 days, except as required for legal or legitimate business purposes.

7.1 Access and Portability

You can access and export your data through the app settings or by contacting us.

7.2 Correction

You can update your information in your account settings or contact us for assistance.

7.3 Deletion

You can request deletion of your account and personal data, subject to legal requirements.

7.4 Opt-Out

You can opt out of:

• Marketing emails (via unsubscribe link)
• Push notifications (in device settings)
• Analytics tracking (in app settings)

7.5 Do Not Track

Our Services do not currently respond to Do Not Track signals.

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request information about data collection and sharing
• Right to Delete: Request deletion of personal information
• Right to Opt-Out: Opt out of the sale of personal information (we do not sell data)
• Right to Non-Discrimination: Equal service regardless of privacy choices

To exercise these rights, contact us at support@redpandaclub.com.

If you are in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Access: Obtain a copy of your data
• Rectification: Correct inaccurate data
• Erasure: Request deletion ("right to be forgotten")
• Restriction: Limit processing of your data
• Portability: Receive data in a portable format
• Objection: Object to certain processing activities

Our legal basis for processing includes consent, contract performance, and legitimate interests.

Our Services are not intended for children under 18. We do not knowingly collect information from children under 18. If we discover we have collected information from a child under 18, we will delete it immediately.

Your information may be transferred to and processed in countries other than your own, particularly the United States. These countries may have different data protection laws. By using our Services, you consent to such transfers.

We use appropriate safeguards for international transfers, including standard contractual clauses and data processing agreements.

Our Services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

We may update this Privacy Policy from time to time. We will notify you of material changes via:

• In-app notifications
• Email to your registered address
• Prominent notice in the app

The "Last Updated" date at the top shows when this policy was last revised.

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

For EU residents, you may also contact your local data protection authority if you have concerns about your data rights.

By using Red Panda Stock Club, you consent to:

• The collection and use of your information as described in this policy
• The processing of your information in the United States
• The use of cookies and similar technologies as described

You may withdraw consent at any time by deleting your account or contacting us.