Privacy Policy

1. Introduction

Melou G&K Holding LLC ("we", "us", or "our"), operator of Vision Boursière, is committed to protecting your personal information. This Privacy Policy explains what data we collect, how we use it, and your rights regarding it. By using the Service, you agree to the practices described in this policy.

2. Information We Collect

We collect the following categories of information:

• Account data: your name and email address, collected when you register.
• Usage data: pages visited, features used, and interactions with the platform, collected automatically via server logs and analytics tools. This includes session recordings, heatmaps, click patterns, and scroll behavior collected by behavior analytics tools to help us improve the Service.
• Payment data: billing information is collected and processed by our payment partners. Card payments are processed by Stripe; Mobile Money payments are processed by Pawapay. We do not store your card details on our servers. The respective payment provider's privacy policy governs the handling of your payment information.
• Portfolio & watchlist data:stock positions, watchlists, and price alerts you create within the platform.
• Communications: emails or messages you send us for support or feedback.

3. How We Use Your Information

We use your information to:

• Provide, maintain, and improve the Service
• Process your subscription and send billing-related communications
• Send you product updates, new features, and security notices
• Respond to your support requests
• Monitor and analyze usage patterns to improve user experience
• Detect and prevent fraud or abuse
• Comply with applicable legal obligations

We do not sell your personal data to third parties. We do not use your data for targeted advertising.

4. Third-Party Services

We work with a limited set of trusted third-party providers to operate the Service:

• Stripe: card payment processing. Your card payment data is subject to Stripe's Privacy Policy.
• Pawapay: Mobile Money payment processing (Orange Money, MTN MoMo, and others). Your Mobile Money payment data is subject to Pawapay's Privacy Policy.
• Cloud infrastructure providers: hosting and data storage. Providers are contractually bound to process your data only on our behalf and in accordance with this policy.
• Google Analytics: to measure traffic, usage patterns, and audience demographics. Data is subject to Google's Privacy Policy. You can opt out via the Google Analytics opt-out browser add-on.
• Microsoft Clarity & Microsoft Advertising: we partner with Microsoft Clarity and Microsoft Advertising to capture how you use and interact with our website through behavioral metrics, heatmaps, and session replay to improve and market our products/services. Website usage data is captured using first and third-party cookies and other tracking technologies to determine the popularity of products/services and online activity. Additionally, we use this information for site optimization, fraud/security purposes, and advertising. For more information about how Microsoft collects and uses your data, visit the Microsoft Privacy Statement.

5. AI Assistants You Connect

You can connect Vision Boursière to an AI assistant, such as Claude by Anthropic or ChatGPT by OpenAI. Nothing is shared until you sign in to Vision Boursière and approve the connection on our consent screen, which lists each permission the assistant asks for.

• What the assistant can reach: only what you approved. Depending on those permissions: market data, your name and subscription plan, your portfolios, positions and transactions, and your watchlist and alerts. If you allow it, it can also add to your watchlist and create or cancel alerts. It can never place an order or move money.
• Who processes it: when your assistant retrieves data from Vision Boursière, its provider receives that data and processes it under its own privacy policy and terms, which we do not control - for example Anthropic and OpenAI.
• What we record: for each request, which tool was used, when, for which account, through which assistant, whether it succeeded and how long it took. The details of the request are kept only as a one-way fingerprint, never in readable form. We never receive the text of your conversations with the assistant. These records are deleted after 90 days.
• How to stop: disconnect the assistant at any time under Integrations › Connected apps. It takes effect immediately, including in conversations already open. If your account is deleted, every connection ends with it.

We do not sell data obtained through a connected assistant, and we do not use it to train AI models.

6. Data Retention

We retain your personal data for as long as your account is active or as needed to provide the Service. If you close your account, we will delete or anonymize your personal data within 90 days, except where retention is required by law (e.g., financial records, fraud prevention).

7. Your Rights

Depending on your location, you may have the following rights regarding your personal data:

• Access: request a copy of the data we hold about you
• Correction: request correction of inaccurate data
• Deletion: request deletion of your account and associated data
• Portability: request your data in a machine-readable format
• Objection: object to certain processing activities

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days.

8. Cookies

We use cookies and similar technologies for the following purposes:

• Essential cookies: to keep you signed in and remember your preferences (e.g., theme, language). These are required for the Service to function.
• Analytics cookies: placed by Google Analytics (_ga, _gid) to measure traffic and usage patterns, and by Microsoft Clarity to enable session recordings and heatmaps.

You can control or disable cookies through your browser settings. Disabling essential cookies may affect the functionality of the Service. Disabling analytics cookies will prevent Google Analytics and Microsoft Clarity from collecting behavioral data about your session.

9. Security

We implement industry-standard security measures to protect your data, including encryption in transit (HTTPS) and at rest. However, no method of transmission over the internet is 100% secure. We encourage you to use a strong, unique password and to notify us immediately of any suspected unauthorized access to your account.

10. Children's Privacy

The Service is not directed to individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal data, please contact us and we will promptly delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or a prominent notice on the Service at least 14 days before the changes take effect. The "Last updated" date at the top of this page reflects the most recent revision.

12. Contact

For questions or concerns about this Privacy Policy, please contact us at:

[email protected]