SO Dividend (sodividend.com, "we" or "the Service") highly values user privacy and complies with all relevant privacy laws and regulations, including GDPR for EU residents and CCPA for California residents. This Privacy Policy details the types of information we collect, its purpose, retention periods, and your rights as a user.

1. Data Collection & Methods

• Non-Member Usage: SO Dividend can be used fundamentally without registering an account. The primary investment data you input (such as stock names, dividends) is securely encrypted (AES-256) and stored solely in your browser's local databases (IndexedDB & LocalStorage).
• Cloud Synchronization (Optional): If you opt-in for multi-device data synchronization, we may collect your email address for account linkage (processed by Supabase).
• PWA Installation: When installed as a Progressive Web App, Service Worker caches are created in your browser for offline access. This data is used solely for Service usability purposes.
• Automatic Data Collection: During the use of the Service, data such as IP addresses, browser types (User-Agent), connection logs, and cookies may be generated and collected automatically.

2. Purpose of Data Processing

• Providing seamless core features like payback period and yield calculations.
• Delivering educational content including blog posts, glossary entries, and quizzes.
• Facilitating cloud backup and sync capabilities (when email authentication is used).
• Responding to user inquiries and providing critical announcements.
• Optimizing and analyzing statistics for service quality improvement and personalized advertisements.

3. Data Retention Period

Personal data is destroyed without delay once the purpose of collection and use is fulfilled, or upon explicit user request. However, if retention is required by relevant laws, we store data as follows:

• Website visit logs: 3 months (standard log retention regulations)
• Email addresses for synchronization: retained until account deletion or withdrawal of consent.
• Browser local storage (IndexedDB) data: retained until the user manually clears their browser data (not accessible or managed by the operator).

4. Third-Party Data Processing & Service Providers

To ensure smooth operation, hosting, analytics, and syncing capabilities, certain tasks are delegated to external professional providers:

• Supabase: Email authentication and secure cloud data storage management.
• Vercel / Cloudflare: Fast and reliable web hosting and CDN services.
• Google Analytics: Collection of anonymous analytics to track visitor activity.
• Google AdSense: Display of customized advertisements based on user interests.

These third-party providers only access/utilize the minimal required data under our strict instructions.

5. Cookie Usage Policy

This website uses cookies for the following purposes:

• You may opt out of personalized advertising by visiting Google Ads Settings.
• For more information on opting out of a third-party vendor's use of cookies, visit aboutads.info or read the Google Ads Policy.

6. User Rights & Options (GDPR/CCPA Compliance)

Users have the right to access, rectify, or request deletion of their personal data at any time. Locally stored data can be immediately purged by clearing your browser's cache and local storage. To delete data stored via cloud synchronization, simply submit a request through our Contact page and it will be swiftly processed.

7. Security Measures

We employ strict security measures to protect your data. All cloud storage data transmission utilizes secure encrypted communication (SSL/TLS), and both local storage data and critical backup data are securely preserved using industry-standard AES-256 encryption.

8. International User Rights

International users, including EU residents (GDPR) and California residents (CCPA), have the right to access, rectify, and request deletion of their personal data under their respective local laws. To exercise these rights, please contact us via the Contact page or the email address below. We will respond as promptly as possible.

9. Privacy Officer & Contact Information

Should you have any questions or concerns regarding our Privacy Policy, please reach out to our Privacy Officer:
Contact: SO Dividend (sodividendbiz@gmail.com)
Contact Form: Go to Contact Page