Privacy Policy

1. Applicability

This Privacy Policy applies to the website located at https://www.merrydiv.com, our mobile application, and all related services. This policy is incorporated into and subject to our Terms of Use.

2. Information We Collect

We collect information you provide directly and information collected automatically to provide, secure, and improve our Services.

2.1 Personal Information: Includes your name, email address, username, and device identifiers.

2.2 Financial Information: If you link financial accounts, we collect balances, transactions, and holdings.

• Credential Security: You enter credentials directly with our third-party provider (e.g., Plaid). MerryDiv does not receive or store your bank or brokerage passwords.
• Authorization: We receive access tokens to display your data solely to provide the Services.

2.3 Automatically Collected Data: We automatically collect IP addresses, browser settings, device info, and usage data via cookies and similar technologies. We use this data for security, analytics, and to maintain the performance of the Platform.

2.4 Chrome Extension (MerryDiv Dividend Toolkit): Our optional browser extension fetches public dividend data on the stocks you look up. We do not require a MerryDiv account to use it, do not collect or store the queries you make through it, do not associate them with any user profile, and do not share them with third parties. The extension stores only your last-searched ticker and last-active tab locally in your browser via Chrome's built-in storage.local — this data never leaves your device. The extension does not read your browsing history, your other tabs, your bookmarks, or anything you type into other websites.

3. Eligibility and Age Restrictions

The Services are intended only for individuals 18 years of age or older. We do not knowingly collect personal information from individuals under 18. If we discover that we have inadvertently collected information from a minor, we will delete such information from our systems immediately.

4. California Notice at Collection (CPRA)

Pursuant to the California Privacy Rights Act, this serves as our Notice at Collection for California residents:

• Categories Collected: Identifiers, commercial information (transaction history), and sensitive personal information (financial account access).
• Purposes of Use: To provide investment tracking, maintain account security, and improve functionality.
• Retention: We retain personal information only for as long as necessary to provide the Services, comply with legal obligations, resolve disputes, and enforce our agreements.

5. Sharing with Service Providers

MerryDiv does not sell personal information and does not share personal information for cross-context behavioral advertising. We share data only with service providers—vendors that process information on our behalf to support the operation of the Services—who act solely on our behalf. These providers are contractually prohibited from using your personal information for their own purposes or for any reason other than providing the specific services we have requested.

6. Data Security and Breach Notification

We use administrative and technical safeguards to protect your data. In the event of a security breach affecting your personal information, we will notify you as required by applicable law.

7. Your Rights and Request Handling

You may request to access, delete, or correct your personal information by emailing [email protected].

• Verification: To protect your security, we will verify your identity (typically via your registered email) before processing requests.
• Timeline: We aim to respond to all valid requests within 45 days.
• Limiting Use: You have the right to limit the use of sensitive personal information to that which is necessary to perform the Services.

8. International Data Transfers

Data is primarily processed in the United States. By using the Services, you acknowledge that your information may be processed in jurisdictions with different data protection laws than your own.

9. Contact Us

For any questions regarding this policy or to exercise your rights, please contact us at [email protected].