Privacy Policy

1. Introduction

Balkora Ap ("we", "us", "our") provides AI-driven strategy analysis tools intended to support family wealth planning decisions. We respect the privacy of visitors and users of our website ("Service") and are committed to protecting any information you choose to share with us. This Policy describes the categories of information we may collect, how we use it, how it may be shared, and the choices available to you.

2. Information We Collect

We may collect the following categories of information:

• Information you provide directly: such as your name, email address, and any details submitted through contact forms, account inquiries, or correspondence with us.
• Usage and technical data: including IP address, browser type, device information, pages visited, referring URLs, and timestamps, collected automatically as you browse our website.
• Cookies and similar technologies: small data files stored on your device to support site functionality, remember preferences, and analyze traffic patterns.
• Communications: records of correspondence when you contact us through forms, email, or other channels described on our Contact page.

We do not require you to link a brokerage account or transmit trading credentials to us in order to browse this website. Where our Service references analysis performed on data held in your own brokerage account, such data remains within your account and is not collected or stored by us unless explicitly stated otherwise at the point of collection.

3. How We Use Information

Information collected may be used to:

• Operate, maintain, and improve the functionality of our website and Service;
• Respond to inquiries, support requests, and other communications you initiate;
• Send administrative or informational messages relevant to your interaction with us;
• Analyze aggregated usage trends to improve content and user experience;
• Detect, investigate, and prevent fraudulent, unauthorized, or illegal activity;
• Comply with applicable legal obligations and enforce our Terms of Service.

4. Legal Basis for Processing

Where applicable data protection law requires a legal basis for processing personal information, we rely on one or more of the following: your consent, the necessity of processing to provide a service you requested, our legitimate interest in operating and improving our Service, and compliance with legal obligations. You may withdraw consent at any time where consent is the basis for processing, without affecting the lawfulness of processing carried out prior to withdrawal.

5. Cookies and Tracking Technologies

We may use cookies, pixels, and similar technologies to recognize your browser, remember preferences, and understand how visitors use our website. You can typically configure your browser to refuse cookies or alert you when cookies are being sent. Disabling cookies may affect the availability or functionality of certain features of our Service.

6. Sharing and Disclosure of Information

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

• Service providers: third parties that perform functions on our behalf, such as hosting, analytics, or communications, under confidentiality obligations;
• Legal compliance: where disclosure is required to comply with applicable law, regulation, legal process, or governmental request;
• Business transfers: in connection with a merger, acquisition, reorganization, or sale of assets, subject to standard confidentiality arrangements;
• Protection of rights: to protect the rights, property, or safety of Balkora Ap, our users, or the public where required or permitted by law.

7. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described in this Policy, unless a longer retention period is required or permitted by law. Criteria used to determine retention periods include the duration of our relationship with you, legal obligations to retain data, and the necessity of the data to resolve disputes or enforce agreements.

8. Data Security

We implement reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. International Data Transfers

If you access our Service from outside the country in which our servers or service providers are located, your information may be transferred across international borders. Where required by applicable law, we will take steps intended to ensure that such transfers are subject to appropriate safeguards.

10. Your Rights and Choices

Depending on your jurisdiction, you may have rights regarding your personal information, which may include the right to:

• Request access to personal information we hold about you;
• Request correction of inaccurate or incomplete information;
• Request deletion of personal information, subject to legal exceptions;
• Object to or restrict certain processing activities;
• Request a portable copy of your information in a structured format;
• Withdraw consent where processing is based on consent.

To exercise any of these rights, please contact us using the details provided on our Contact page. We may need to verify your identity before fulfilling certain requests.

11. Children's Privacy

Our Service is not directed to individuals under the age of majority in their jurisdiction of residence, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so that we may take appropriate action.

12. Third-Party Links

Our website may contain links to third-party websites or services not operated by us. This Policy does not apply to third-party practices, and we encourage you to review the privacy policies of any third-party site you visit.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. The updated version will be indicated by a revised "Last updated" date. We encourage you to review this Policy periodically.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out through the contact details listed on our Contact page.