This Privacy Policy explains how The Investing Universe handles your information across our website and app. We believe privacy is a right, not a privilege — and we have designed our services to collect as little data as possible while still giving you a great experience.
1. What We Collect
We only collect the information we need to let you use the app:
- Name and email address — collected when you create an account. We use this only to identify you and give you access to the app.
- Your personal content — anything you save in the app such as portfolios and watchlists is yours. It's stored securely and only you can see it. We never access, share, or sell it.
2. Cookies and Tracking on Our Website
When you visit our website, we use cookies and similar technologies to understand how visitors use our site and to improve your experience. We only load analytics and advertising scripts after you have given explicit consent through our cookie banner.
- Google Analytics — helps us understand website traffic and usage patterns.
- Meta (Facebook) Pixel — used to measure the effectiveness of our advertising.
- TikTok Pixel — used to measure the effectiveness of our advertising campaigns.
You can decline these cookies at any time via the cookie banner or your browser settings. Declining will not affect your ability to use the website.
3. How Your Data Is Accessed
Information you enter into the app — including portfolio details, watchlists, and preferences — is stored securely and is protected by row-level access controls so that other users cannot see it. Authorised members of The Investing Universe team may access personal data where reasonably necessary to provide customer support, investigate abuse or security incidents, prevent fraud, maintain the service, or comply with legal obligations. We do not read or use your personal content for marketing, and we never sell it.
4. AI Chat Messages
When you use the Universe AI chat, your messages and the AI's replies are stored in our database so that we can power conversation history and threading, enforce daily usage limits, and troubleshoot problems. Messages are linked to your account and are visible to you in-app; authorised staff may access them for the support, security, and legal purposes described in section 3.
Messages are sent to our AI provider (Lovable AI Gateway) in real time to generate the response, and are not used to train third-party models. You can delete your chat history at any time from within the app, and deleting your account permanently removes stored messages associated with it.
5. No Tracking in the App
The Investing Universe native app does not load third-party analytics, advertising SDKs, or marketing cookies. Website analytics and advertising pixels described in section 2 apply only to our website and only after you consent.
6. We Do Not Sell Your Data
We do not sell your personal information to anyone, ever. We do not share it with data brokers, advertisers, or third parties for marketing purposes.
7. Service Providers & Cross-Border Transfers
To run Investing Universe we rely on a small number of trusted service providers ("processors"). Each processor only receives the minimum data it needs and handles it under its own privacy policy and applicable data-protection contracts. Because several are US-based, using our service involves the transfer of your personal data to countries outside Australia, the UK and the EEA — including the United States. Where such transfers are subject to the GDPR (Chapter V) or the Australian Privacy Principles (APP 8), we rely on the provider's standard contractual clauses, adequacy decisions or equivalent safeguards.
- Supabase — authentication, database, and file storage (United States).
- Lovable AI Gateway — powers Universe AI chat and Company Snapshot reports (United States).
- Stripe — payment processing for web subscriptions (United States / Ireland).
- Apple App Store & Google Play — in-app subscription management on iOS and Android (United States).
- Resend — transactional email delivery, e.g. sign-up and account emails (United States).
- Google Analytics — aggregate website traffic and usage measurement, loaded only after consent (United States).
- Meta (Facebook) Pixel — website advertising measurement, loaded only after consent (United States).
- TikTok Pixel — website advertising measurement, loaded only after consent (United States / Singapore).
- Financial Modeling Prep, Finnhub, CoinGecko, Quiver Quantitative — third-party market-data providers. Requests carry public tickers only; no personal user data is shared (United States).
If you would like more detail about the safeguards for a particular provider, contact us using the details in section 14.
8. Market Data
Financial data shown in the app (stock prices, charts, and market information) is provided by the third-party market data providers listed in section 7. No personal user data is shared with these providers — they only receive anonymous requests for public market information.
9. Data Security
We use industry-standard security measures to protect your information, including encryption in transit and secure authentication. While no system can ever be 100% secure, we take every reasonable step to keep your data safe.
10. Deleting Your Account
You can delete your account and all associated data at any time from the in-app Delete Account page — this is the primary and fastest way to request deletion. As a backup you can also email contact@theinvestinguniverse.com and we will process your request promptly. Once deleted, your personal data is permanently removed from our production systems; residual copies in encrypted backups are overwritten on our normal backup rotation.
11. Not Financial Advice
The Investing Universe is an educational platform. We do not provide personalised financial advice, and we are not licensed as a financial adviser, broker, or dealer in any jurisdiction. All content, tools, and AI-generated responses (including Universe AI chat and Company Snapshot reports) are general information for educational purposes only and do not consider your objectives, financial situation or needs. Consult a licensed financial adviser before making financial decisions.
12. App Privacy
The following applies specifically to the Investing Universe native app:
- We collect your name and email address when you create an account, used only to identify you and provide access to the app.
- Data you enter (portfolios, watchlists, preferences) is stored securely with row-level access controls. Authorised staff may access it only for the support, security and legal purposes described in section 3.
- AI chat messages are stored so you can see your conversation history — see section 4.
- The native app does not load third-party analytics, advertising SDKs, or marketing cookies.
- We do not sell your data to anyone, ever.
- Subscription management uses Apple / Google in-app purchases, which handle payment data under their own privacy policies.
- Third-party market-data providers supply the financial data displayed in the app — no personal user data is shared with them.
- You can delete your account and all associated data at any time from /delete-account or by emailing us.
13. Changes to This Policy
We may update this Privacy Policy from time to time. If we make significant changes, we will notify you within the app. Continued use of the app after changes means you accept the updated policy.
14. Contact Us
If you have any questions about this Privacy Policy or how we handle your data, please contact us at contact@theinvestinguniverse.com.