<?php
/**
 * StockTriage — Privacy notice (UK GDPR). ZERO DB access.
 * Draft; to be reviewed by the company's solicitor / DPO before launch.
 */
$page_title     = 'Privacy Notice — StockTriage';
$page_desc      = 'How StockTriage (MangyByte Ltd) collects and uses your personal data under UK GDPR — account data, watchlists, encrypted read-only broker keys, Stripe billing — and how to exercise your rights.';
$canonical_path = '/privacy';
$body_class     = 'page-legal';
include __DIR__ . '/_marketing_header.php';
?>
<article class="legal wrap">
  <div class="doc-head">
    <h1>Privacy Notice</h1>
    <p class="updated">Last updated: <?= date('j F Y') ?> &middot; MangyByte Ltd, London, United Kingdom</p>
  </div>

  <div class="callout">
    <p><strong>The essentials:</strong> We are the data controller for your StockTriage account. We collect only what we need to run the Service, we <strong>never sell your personal data</strong>, broker API keys are stored encrypted and used read-only, and you can ask us to delete your data at any time via <a href="mailto:privacy@stocktriage.com">privacy@stocktriage.com</a>.</p>
  </div>

  <nav class="toc" aria-label="Contents">
    <h2>Contents</h2>
    <ol>
      <li><a href="#controller">Who we are</a></li>
      <li><a href="#collect">Data we collect</a></li>
      <li><a href="#purposes">Purposes &amp; lawful bases</a></li>
      <li><a href="#brokers">Broker API keys</a></li>
      <li><a href="#payments">Payments</a></li>
      <li><a href="#sharing">Who we share data with</a></li>
      <li><a href="#retention">Retention</a></li>
      <li><a href="#rights">Your rights</a></li>
      <li><a href="#cookies">Cookies</a></li>
      <li><a href="#transfers">International transfers</a></li>
      <li><a href="#security">Security</a></li>
      <li><a href="#contact">Contact &amp; complaints</a></li>
    </ol>
  </nav>

  <h2 id="controller">1. Who we are</h2>
  <p>StockTriage is operated by <strong>MangyByte Ltd</strong>, a company registered in England and Wales with its registered office in London (&ldquo;we&rdquo;, &ldquo;us&rdquo;, &ldquo;our&rdquo;). We are the data controller for personal data processed through the Service under the UK GDPR and the Data Protection Act 2018. You can reach our privacy contact at <a href="mailto:privacy@stocktriage.com">privacy@stocktriage.com</a>.</p>

  <h2 id="collect">2. Personal data we collect</h2>
  <ul>
    <li><strong>Account data</strong> &mdash; your email address, a securely hashed password, and account settings.</li>
    <li><strong>Usage &amp; product data</strong> &mdash; your watchlists, saved views, report-view counts, paper-trade tracker entries and similar in-app activity.</li>
    <li><strong>Broker connection data</strong> &mdash; if you choose to link a broker, the encrypted, read-only API key or token you provide, and the holdings data we retrieve to display alongside scores (see section 4).</li>
    <li><strong>Billing data</strong> &mdash; subscription status and a billing customer reference. Card details are handled by Stripe; we do not store your full card number (see section 5).</li>
    <li><strong>Technical data</strong> &mdash; IP address, device/browser information and security logs needed to operate the Service and protect against abuse.</li>
    <li><strong>Communications</strong> &mdash; any messages you send us, such as support requests.</li>
  </ul>

  <h2 id="purposes">3. Purposes and lawful bases</h2>
  <ul>
    <li><strong>To provide the Service</strong> (accounts, rankings, watchlists, broker view, alerts) &mdash; lawful basis: performance of our contract with you.</li>
    <li><strong>To take payment and manage subscriptions</strong> &mdash; performance of a contract.</li>
    <li><strong>To keep the Service secure</strong> and prevent fraud and abuse &mdash; our legitimate interests.</li>
    <li><strong>To send service emails</strong> (security, billing, neutral data-event alerts you have enabled) &mdash; performance of a contract or legitimate interests.</li>
    <li><strong>Optional analytics</strong> to improve the Service &mdash; only with your consent (see cookies).</li>
    <li><strong>To meet legal obligations</strong> (e.g. accounting) &mdash; legal obligation.</li>
  </ul>

  <h2 id="brokers">4. Broker API keys and holdings</h2>
  <p>If you link a broker, you provide a <strong>read-only</strong> API key or authorise a read-only connection. We verify the connection does not carry trading permission and reject keys that do. Keys are encrypted at rest using authenticated encryption (AES-256-GCM) with the key-encryption key held outside the application&rsquo;s web root. We use the connection solely to display your holdings beside universal scores; your holdings are never used to calculate or alter any score, ranking or generated text. You can unlink a broker at any time, which deletes the stored key; holdings cached for display are deleted on unlink.</p>

  <h2 id="payments">5. Payments</h2>
  <p>Subscription payments are processed by <strong>Stripe Payments Europe / Stripe, Inc.</strong> acting as a separate controller for card data. We receive only a customer reference and subscription status from Stripe; we do not receive or store your full card number. Stripe&rsquo;s handling of your data is governed by Stripe&rsquo;s own privacy policy.</p>

  <h2 id="sharing">6. Who we share data with</h2>
  <p>We do <strong>not</strong> sell your personal data and do not share it for third-party marketing. We share data only with processors who help us run the Service, under contract and on our instructions, including: our hosting provider, Stripe (payments), our transactional email provider, your chosen broker or its aggregator (only the connection you authorise), and any optional analytics provider you have consented to. We may disclose data where required by law.</p>

  <h2 id="retention">7. Retention</h2>
  <p>We keep account and product data for as long as your account is active. After you close your account or ask us to delete your data, we delete or anonymise personal data within a reasonable period, except where we must retain certain records (for example billing records for accounting and tax purposes) for the period required by law. Security logs are kept only as long as needed for security purposes.</p>

  <h2 id="rights">8. Your rights</h2>
  <p>Under UK GDPR you have the right to access your data; to rectification; to erasure; to restrict or object to processing; to data portability; and to withdraw consent at any time where processing is based on consent. To exercise any right, email <a href="mailto:privacy@stocktriage.com">privacy@stocktriage.com</a>. We will respond within one month. Exercising your rights is free in most cases and will not disadvantage you.</p>

  <h2 id="cookies">9. Cookies</h2>
  <p>We use a small number of <strong>essential cookies</strong> needed to log you in, keep your session secure and remember your preferences; these do not require consent. We use <strong>analytics cookies only with your consent</strong>, requested via our cookie banner, and you can change or withdraw consent at any time. We do not use advertising or cross-site tracking cookies.</p>

  <h2 id="transfers">10. International transfers</h2>
  <p>Some of our processors (for example Stripe) may process data outside the UK. Where data is transferred outside the UK, we rely on an adequacy decision or appropriate safeguards such as the International Data Transfer Agreement or Addendum to the EU Standard Contractual Clauses.</p>

  <h2 id="security">11. Security</h2>
  <p>We protect your data with measures appropriate to the risk, including encryption in transit, hashing of passwords, authenticated encryption of broker keys, access controls and logging. No system is perfectly secure, but we work to keep your data safe and will notify you and the regulator of any qualifying breach as required by law.</p>

  <h2 id="contact">12. Contact and complaints</h2>
  <p>For any privacy question or to exercise your rights, contact <a href="mailto:privacy@stocktriage.com">privacy@stocktriage.com</a>. If you are unhappy with how we handle your data you can complain to the UK Information Commissioner&rsquo;s Office (ICO) at <a href="https://ico.org.uk" rel="noopener">ico.org.uk</a>, though we&rsquo;d appreciate the chance to put things right first.</p>
</article>

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