Privacy Policy

Last updated: August 16, 2025
Effective Date: August 16, 2025

This Privacy Policy governs the collection and use of personal information in connection with paid subscription services. By creating an account and subscribing to OptionTerminal.com, you explicitly consent to these data practices.

This Privacy Policy applies to OptionTerminal.com ("Website"), operated by a Florida limited liability company ("the Operator"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice or our practices regarding your personal information, please contact us at info@optionterminal.com.

1. Information We Collect

Account Information:

When you create an account, we collect:

  • Email address and password (stored securely via our authentication service)
  • Full name (if provided)
  • Account creation date and last login information
  • Subscription tier and status
  • User preferences and settings

Payment Information:

We collect billing information necessary to process your subscription:

  • Cardholder name and billing address
  • Payment method details (last 4 digits only - full card numbers are tokenized and stored by our PCI-compliant payment processor)
  • Transaction history and invoice records
  • Subscription renewal dates

Note: We do NOT store complete credit card numbers, CVV codes, or other sensitive payment credentials. All payment processing is handled by PCI DSS Level 1 compliant third-party processors.

Usage Data:

We automatically collect information about your use of our services:

  • Features accessed and frequency of use
  • Option strategies analyzed and saved
  • API calls and data requests
  • Backtest configurations and results
  • Session duration and activity patterns
  • Error logs and performance metrics

Technical Information:

We collect device and browser information including:

  • IP address and approximate geographic location
  • Browser type, version, and language settings
  • Operating system and device type
  • Screen resolution and viewport size
  • Referring URLs and exit pages
  • Cookies and similar tracking technologies

Analytics Data:

We use analytics services to collect:

  • Page views and navigation paths
  • Feature engagement metrics
  • User journey and conversion funnels
  • A/B testing participation

2. How We Use Your Information

We use collected information for the following purposes:

  • Service Delivery: To provide access to OptionTerminal's features and process your subscription
  • Account Management: To authenticate users, manage subscriptions, and provide customer support
  • Payment Processing: To bill subscription fees, process refunds (if applicable), and maintain payment records
  • Service Improvement: To analyze usage patterns, fix bugs, and develop new features
  • Communications: To send transactional emails, service updates, and marketing communications (with consent)
  • Legal Compliance: To comply with applicable laws, prevent fraud, and enforce our Terms of Service
  • Security: To detect and prevent unauthorized access, abuse, or security incidents

3. Data Sharing and Third-Party Services

We share your information only as described below:

Service Providers:

We work with third-party service providers who assist with:

  • Authentication and database services
  • Payment processing and subscription management
  • Market data provision
  • Analytics and product insights
  • Email communication services
  • Website traffic analysis
  • Hosting and infrastructure

Legal Requirements:

We may disclose information when required by law, including:

  • In response to valid legal processes (subpoenas, court orders)
  • To protect our rights, property, or safety
  • To investigate fraud or security threats
  • To enforce our Terms of Service

Business Transfers:

In the event of a merger, acquisition, or sale of assets, user information may be transferred to the successor entity. Users will be notified via email and prominent website notice before any such transfer.

We do NOT: Sell, rent, or trade your personal information to third parties for their marketing purposes.

4. Data Retention

We retain your information for different periods depending on the type:

  • Account Data: Retained for the duration of your subscription plus 3 years for tax and legal purposes
  • Payment Records: Retained for 7 years as required by financial regulations
  • Usage Data: Aggregated and anonymized after 24 months
  • Marketing Data: Until you unsubscribe or request deletion
  • Security Logs: Retained for 12 months

Upon account deletion request, we will delete or anonymize your personal data within 30 days, except where retention is required by law.

5. Data Security

We implement security measures to protect your personal information:

  • Secure transmission of data using industry-standard encryption
  • Secure storage of sensitive data
  • Access controls and authentication requirements
  • Regular security monitoring
  • Incident response procedures

However, no system is 100% secure. We cannot guarantee absolute security of your information. You are responsible for maintaining the confidentiality of your account credentials.

6. Age Restrictions

OptionTerminal is NOT intended for users under 18 years of age. We do not knowingly collect personal information from minors. If we discover that a minor has created an account, we will terminate the account and delete associated data immediately. Options trading requires users to be 18 or older at most brokerages.

7. Your Privacy Rights

You have the right to:

  • Access: Request a copy of your personal data
  • Correction: Update or correct inaccurate information
  • Deletion: Request deletion of your account and personal data
  • Portability: Receive your data in a machine-readable format
  • Opt-out: Unsubscribe from marketing communications
  • Restriction: Limit how we process your data

To exercise these rights, contact us at info@optionterminal.com. We will respond within 30 days.

8. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act:

  • Right to know what personal information we collect, use, and share
  • Right to delete personal information (with exceptions)
  • Right to opt-out of the sale of personal information (we do not sell data)
  • Right to non-discrimination for exercising privacy rights

To make a CCPA request, email info@optionterminal.com with "CCPA Request" in the subject line.

9. GDPR Compliance (European Users)

For users in the European Economic Area (EEA), we process data based on:

  • Contract: To fulfill our subscription agreement
  • Consent: For marketing communications and analytics
  • Legitimate Interest: For fraud prevention and security
  • Legal Obligation: To comply with applicable laws

EU users have the right to lodge complaints with their local data protection authority. The data controller for this service can be contacted at info@optionterminal.com for all data protection inquiries.

10. International Data Transfers

Your information may be transferred to and processed in the United States, where our servers are located. By using OptionTerminal, you consent to these transfers. We ensure appropriate safeguards are in place for international transfers, including Standard Contractual Clauses where required.

11. Cookies and Tracking Technologies

We use cookies and similar technologies for:

  • Essential Cookies: Required for authentication and security
  • Functional Cookies: To remember your preferences
  • Analytics Cookies: To understand usage patterns
  • Marketing Cookies: To measure advertising effectiveness

You can manage cookie preferences through your browser settings. Disabling essential cookies may prevent access to certain features.

12. Data Breach Notification

In the event of a data breach that compromises your personal information, we will:

  • Notify affected users via email within 72 hours of discovery
  • Post a notice on our website
  • Notify relevant regulatory authorities as required by law
  • Provide information about steps you can take to protect yourself

13. Marketing Communications

With your consent, we may send:

  • Product updates and new feature announcements
  • Educational content about options trading
  • Promotional offers and discounts
  • Newsletter content

You can opt-out anytime via the unsubscribe link in emails or by updating your account preferences.

14. Third-Party Links

Our service may contain links to third-party websites or services. We are not responsible for their privacy practices. We encourage you to review their privacy policies before providing personal information.

15. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Material changes will be notified via:

  • Email notification to registered users
  • Prominent notice on our website
  • In-app notification

Continued use of OptionTerminal after changes constitutes acceptance of the updated policy.

16. Contact Information

For privacy-related questions or concerns, contact us at info@optionterminal.com.

By creating an account or using OptionTerminal, you acknowledge that you have read, understood, and agree to this Privacy Policy.